Why is my "case closed" but don't I have a "final decree"????? Is this kosher??

[basketsbears]

by the way i have chase and i have never seen a company that doesn' know what the other hand is doing. i can't tell you what we went through with them with our attempt at a loan mod. it was a real joke. we did it prior to our filing. and, by the way they have contacted us within the past couple of months to find our what our intentions are with that house we surrendered almost 4 and a half years ago? what is the matter with these people.

Oh Chase sounds just like BOA!!! The main reason we are filing BK on our rental. I don't think I would ever do business with them - well, now that I have filed, they may not want to do business with me - or any of the huge national banks. What a sad state they are all in. My husband was talking to one BOA person on the phone, another called on my phone and so he was talking to two people and neither one had the same information, or the same goals. He had sent application after application to them - begged them to just lower interest rate (it was about 9%) so we could just break even and not go into the hole every month - when we had renters there. Ugh!!!

[tobee43]

by the way i have chase and i have never seen a company that doesn' know what the other hand is doing. i can't tell you what we went through with them with our attempt at a loan mod. it was a real joke. we did it prior to our filing. and, by the way they have contacted us within the past couple of months to find our what our intentions are with that house we surrendered almost 4 and a half years ago? what is the matter with these people.

Oh Chase sounds just like BOA!!! The main reason we are filing BK on our rental. I don't think I would ever do business with them - well, now that I have filed, they may not want to do business with me - or any of the huge national banks. What a sad state they are all in. My husband was talking to one BOA person on the phone, another called on my phone and so he was talking to two people and neither one had the same information, or the same goals. He had sent application after application to them - begged them to just lower interest rate (it was about 9%) so we could just break even and not go into the hole every month - when we had renters there. Ugh!!!

Totally agree. My hubby is a machinist and the younger people who come in for a job have not idea what the job is all about. The stay maybe a month and then leave Pam

what is even scarier to me is that these are the people that are running the banks and big businesses because all these companies laid off the experienced older employees in exchanged for incompetent cheaper labor and now everything is a huge mess. it's everywhere.

all the people that should be working at these banks and companies now work at walmart as greeters

[KevFinnerty]

what is even scarier to me is that these are the people that are running the banks and big businesses because all these companies laid off the experienced older employees in exchanged for incompetent cheaper labor and now everything is a huge mess. it's everywhere.

all the people that should be working at these banks and companies now work at walmart as greeters

Well i totally agree with everything said here.

Our country (America) has gone radically down the drain in the last 15 years, IMO. I don't know how anyone "middle-class" can survive/make a living anymore. 90% of the goods we buy every day come from China/India/Mexico/Paraguay/you name it. 50% of jobs that 10 years ago went to Americans are now "outsourced" to slave labor in other countries. I just made up those statistics but they're probably close to the truth. And let's not forget how big business concerns have more power than private citizens in shaping our "laws". Don't get me started.

[tobee43]

Well i totally agree with everything said here.

Our country (America) has gone radically down the drain in the last 15 years, IMO. I don't know how anyone "middle-class" can survive/make a living anymore. 90% of the goods we buy every day come from China/India/Mexico/Paraguay/you name it. 50% of jobs that 10 years ago went to Americans are now "outsourced" to slave labor in other countries. I just made up those statistics but they're probably close to the truth. And let's not forget how big business concerns have more power than private citizens in shaping our "laws". Don't get me started.

i know, it's so frustrating. what really is to become of us, sad to think.

[KevFinnerty]

i know, it's so frustrating. what really is to become of us, sad to think.

Well I already know the answer to that question, since it happened to me - lost job due to a corporate "merger", then unable to get a decent one & got deeply in debt, could no longer afford the astronomical cost of healthcare (I paid it myself for about 6 years but then it went up 50% because I turned 50 so I could not afford it at all), had to declare bankruptcy, had house in foreclosure, and now finally got a job again it is at an unskilled position paying me about 1/3rd of what I used to make and am severely struggling to make ends meet.

Same thing happened to a brother-in-law about 7 years before it happened to me. He had a good job, but the company went out of business, he became penniless, took a job at a gas station to get any kind of income, my sister divorced him as their world fell apart. She almost lost her house but had it saved by getting remarried. Afaik he died for lack of medical coverage (had diabetes problems & could not get proper care without insurance).

It's become the new American dream (as you grow older you will lose your good job and go down the tubes - as opposed to the old American dream, get a good job, be rewarded for your hard work, grow older into financial security, build a better world for your children etc - it's now working in reverse IMO). And it is only going to get worse (more and more people will be affected by all this corporate downsizing, shipping jobs overseas, businesses closing down, fewer and fewer decent paying jobs available etc).

[tobee43]

Kev, so many stories all so similar. i know for us it was the same ending, but the only grace we had was one of us was a retired state police with a pension (it was an early buy out from nj with a window period of only about 8 weeks, we took it) but started a new career since at the time was under the age of 50. worked 15 years for a large pharmaceutical company has head of security until they got brought out and of course brought their own people with them.

lucky for us by that time although it wasn't the plan, we could begin (one of us) to collect ss. so between the pension which was state police, so it was exempted income and the ss we so lucked out with our bk. also, our medical was part of the early buy out deal, the state will cover us forever. also they now pay our part of medicare and reimburse us on the pension side. we are blessed that all i can say, and even though we are living on 1/3 of what we use to live on, are quality of life is excellent and we were so much more fortunate than most.

both of tried to get jobs for 3 years and one of us is now very ill, so full time work will not be anytime soon in our future. i had to settle for part time paralegal work and do have some regular clients thankfully...between that and ebay we get our food and gas! LOL!! but it's been a hard road that's for sure.