I checked pacer and also got confirmation from my attorney: I'm discharged as of last week!!!!! I'm so, so relieved.
As some of you might recall, there was a discussion on here before I filed about how I could possibly pass the means test... a few peeps here were certain my case would not fly because I'm about $30K per year over the median income. Well, it all worked out. I live in California and my necessary expenses are pretty large (in fact in the area I live in, I'm around or below the median). And in case you're wondering, I was completely and utterly upfront with my attorney and with my filing about assets, income, cash, expenses.... I did not hide anything and was totally honest (I've noticed the bk world is "guilty until proven innocent" so I just thought I'd mention that).
Anyway, thanks to all who supported me during this very difficult and stressful time. I'm living in a great new place, waiting for my house to get foreclosed on. I don't think I'm going to try to keep it because not only am I very skeptical about the bank working with me, but I want to move on, I don't really want to be a landlord either... but I may call the bank just to see what they have to say. Very unlikely they can work with me.... and a loan modification would mean I have the debt again, wouldn't it? Almost like reaffirming?
I've learned a lot from this experience. I have totally adjusted the way I spend money. When I catch myself slipping into the old thinking, I remind myself that it would be a shame if this whole bk thing were a waste...
so.... my life begins again!!!!
Isobel
As some of you might recall, there was a discussion on here before I filed about how I could possibly pass the means test... a few peeps here were certain my case would not fly because I'm about $30K per year over the median income. Well, it all worked out. I live in California and my necessary expenses are pretty large (in fact in the area I live in, I'm around or below the median). And in case you're wondering, I was completely and utterly upfront with my attorney and with my filing about assets, income, cash, expenses.... I did not hide anything and was totally honest (I've noticed the bk world is "guilty until proven innocent" so I just thought I'd mention that).
Anyway, thanks to all who supported me during this very difficult and stressful time. I'm living in a great new place, waiting for my house to get foreclosed on. I don't think I'm going to try to keep it because not only am I very skeptical about the bank working with me, but I want to move on, I don't really want to be a landlord either... but I may call the bank just to see what they have to say. Very unlikely they can work with me.... and a loan modification would mean I have the debt again, wouldn't it? Almost like reaffirming?
I've learned a lot from this experience. I have totally adjusted the way I spend money. When I catch myself slipping into the old thinking, I remind myself that it would be a shame if this whole bk thing were a waste...
so.... my life begins again!!!!
Isobel
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