Told my wife

[oregonpilot]

OHHHH bg...it is soooo good to hear from you. I couldn't stop thinking about you when the forum was down. So worried about you.
I can't tell you how happy i am that things are working out with your wife. Good luck to you.

Hey guys. What's up?!?!? It's good to be back. I've been busy interviewing lawyers these past two weeks. I'm still alive and feeling good about this "business decision" for my family. My wife has not only come back but is grateful that I came forward and shocked I carried all this stress by myself this long. We have sat down and prioritized our wants and needs list. I have also been offered a job that doubles our current salary and pays for insurance. Amazing how freeing this can be for your confidence and mind.

I plan on deciding on an attorney by the end of this week. Anyone in Utah have someone they would suggest?

Thanks for all the thoughts and kind words. Feels good to be back on the forum and in life.

"If you don't design your own life plan, chances are you'll fall into someone else's plan. And guess what they have planned for you? Not much."

[IamOld]

blackgoose awsome news!!! SOOOOOO glad to hear that you're wife is there with you!!! And hey- a new job more pay? Man, sometimes things do work out eh?

[Drazil65]

What a difference a few weeks make huh? So happy she came around and will stand by you now to be part of the solution for your family. Good luck and just make sure you are comfortable with whatever attorney you go with, ask them alot of questions about their background in bankruptcy and if they are the one that will actually go with you to the 341. Make sure you have access to them (ask for their direct email and/or phone number/ext. and see what kind of response you get) directly if you need to talk to them. Don't forget to get your google voice account setup and then contact all your creditors and change your phone number to the google voice number so you will have the messages in a neat little file on your computer somewhere. This will save you so much grief in the long run and have a record of who called and when in case you should need it at some point.

[sassiebaz]

Looks like your prayers are being answered. Amazing what happens through prayer and faith. I don't mean to sound cheesy...Life/finances are full of ups and downs...families are forever, Im glad your wife is back on your side!

[lillymarlene]

Blackgoose, Glad to see things are starting to work out for you.

[AngelinaCatHub]

Looks like your prayers are being answered. Amazing what happens through prayer and faith. I don't mean to sound cheesy...Life/finances are full of ups and downs...families are forever, Im glad your wife is back on your side!

BG, I have been worried and I second sassiebaz, that our prayers do work. Prayer is ALWAYS answered. Yes, No, or wait.

That being said, You have already started your new start in life. Your wife will respect you more now and NEVER hide anything from a woman. LOL. They have that second sense. Love in God to you and her and your family. 'Hub

[lotsahats]

Hello, Blackgoose! I'm soooo glad things are turning around for you, especially where the family is concerned.

[Blackgoose]

Hey guys. Again, thanks again for all kind words and positive mojo.

We ready for some question?

All my meetings with attorneys have left me unimpressed. Still looking for the right one.

Pulled the wife's credit and it showed on her cc debt a couple cards in my name. I made her an authorized user. By deleting her from the account will that come off her report and will she still be responsible?

Thanks guys.

[btbeme]

All my meetings with attorneys have left me unimpressed. Still looking for the right one.

That's OK. Keep looking. You will know the one when you meet. Maybe some Utah folks here can provide a suggestion to you in a Private Message. My revaluation came after about a dozen meetings...and I went back to one of the early ones I interviewed.

By deleting her from the account will that come off her report and will she still be responsible?

A basic rule of thumb is Don't Jack Around with Credit or Titles Before Filing Bankruptcy. At least, I think that was the name of the book I read...

[911mom]

That is sooooo great to hear...will pray thingsl continue to be good for you and your family...love your ending quote by the way;)

[pathfinders]

GB glad things are going well ........

[TrainWreak]

Hey guys. Again, thanks again for all kind words and positive mojo.

We ready for some question?

All my meetings with attorneys have left me unimpressed. Still looking for the right one.

Pulled the wife's credit and it showed on her cc debt a couple cards in my name. I made her an authorized user. By deleting her from the account will that come off her report and will she still be responsible?

Thanks guys.

Glad to hear things are working out so good!
I live in a non-community property state, Illinois and I believe Utah is too. My wife was an authorized user on one card. After doing some research it appears I have nothing to worry about in a non community property state since she was not a cosigner on the application. I of course don't want to leave out the remote chance of an unscrupulous lawyer or junk debt buyer trying something after discharge. But if that happens I will fight them all the way to the mat!

[IamOld]

Right in a non community prop state authorized users have ZERO liability.

[Blackgoose]

That is GREAT news. Thanks guys!

[Blackgoose]

Hey guys! Hope you're doing well. Still looking for a good attorney. I'm also waiting 45 more days so I don't have any credit card charges the last 90 days.

So we have a family car with 100k miles on it. Is it ok to buy the wife a new car before we file? Also, how far back do they look on bank statements?

"When one door closes, another opens, but often we look so long at the closed door that we do not see the one that has been opened for us"