Apparently, from the very beginning, my debt was under a name that looks like it could be me, but is ovbiously mispelled.
Example:
Jack Bauer is written as Jac Bauir
Is this grounds for any kind of dismissal?
My intellegent guess is "NO". However, this debt is appraoching the 4 year limitation in my state of Texas. The debt was aquired in 2005, but we fell to a couple of serious injuries and illnesses ultimately causing my wife to pass out and sincerely forgot bills. I managed to pay the worst collection agencies that were borderline extremely abusive... very. They were the small medical bills that fell to the wayside. But the home had gotten behind and with a family of 5 and a cheap mortgage way less than $2000, which I reduced from $1600 to less than $1200 eventually, was my priority. I also insured transportation. My wife had a Home Daycare during these years and it was 100+ outside. We were trying to recover from a previous major financial disaster caused from unemployment and a long history of underemployment. Illness, mental forced us into fileing for my wife's sake. THough I believed I could pull out of it because the evidence was there for me, she just couldn't take it anymore. SO I did it for her.
The AC was not optional. It had to be replaced and we financed from the fancy talking salesman that acted like it was the best thing since sliced bread. Good move. Saved us money, BUT WAR continued in Iraq and that's when my wife had a major falling out mentally and health, cancer, probably interrelated. This was also around the time my son broke his arm requiring multiple surgeries and much more out of pocket than expected. Then my broken teeth had to be fixed. I worked in a professional environment and really had to avoid the hill billy look. Still paying that bill today. However, the AC didn't give us the time to pull things together. I made a few initial payments, but as I said the house was priority.
Well, this past Novermber, I received a letter in the mail offering to settle for $6,000 and the new amount owed is now $12,000 (I'm rounding for simplicity sake). Well, that was 11-28-2011. The newest letter dated 12-14-2011 and the amount states exactly twice the first. So, now it's $24,000 according to the second letter.
What's going on? We live off of a 3 year experienced teacher's salary, which is less than $50K. My wife and I are both grad students trying to retool for our new life teaching. I felt uncomfortable in my previous engineering job with the down fall of the economy and didn't want to get caught in a situation on the streets unemployed in this mess and nothing else to show for my time. So, I'm the unemployed one now.
There is also a gas card out there that I wanted and tried to pay but kept getting cut off. I wanted to set up a payment and literally got so busy that I forgot about it. It only pops up once in a blue moon. It's a Shell Card. I feel bad about it, but I juggled to make sure my wife could receive medical treatment for cancer and nothing would stand in my way of doing the morally correct thing, compared to the "contractually correct thing." Some of the collectors stooped so low as to call me a deadbeat along with a few other names and false accusation on a few occasion. That's when I put together my new OOMA phone system that cost me $230 to buy, install and use. It's free now. I pay the premium fee of $100 to help keep it going and to utilize the call blocker feature. LOVE IT!!!! It works perfect. I told the previous credotor to stop calling my cell phones. But the new guy is now calling my cell phones. It comes on during my grad classes and I haven't had time to deal with it until now... Christmas is finally here and almost gone.
According to the chart we meet the criteria for filing Ch &. However, what would Ch 13 do for us? Moreover, how would making an arrangement with the original creditor help our credit, even it I continue to blow off the collection agencies, who I won't render a steel penny for their asinine behavior towards us. Not going to happen there. The love is gone.
Please give me some advice. Don't need snarky attempts to rag on me, just some solid good advice, for free. Thanks.
Merry Christmas guys. We're living on student loans which we plan to obtain forgiveness for in the poor public education system. We're giving back, but saving time for family too. Life's way too short and money isn't everything.
Example:
Jack Bauer is written as Jac Bauir
Is this grounds for any kind of dismissal?
My intellegent guess is "NO". However, this debt is appraoching the 4 year limitation in my state of Texas. The debt was aquired in 2005, but we fell to a couple of serious injuries and illnesses ultimately causing my wife to pass out and sincerely forgot bills. I managed to pay the worst collection agencies that were borderline extremely abusive... very. They were the small medical bills that fell to the wayside. But the home had gotten behind and with a family of 5 and a cheap mortgage way less than $2000, which I reduced from $1600 to less than $1200 eventually, was my priority. I also insured transportation. My wife had a Home Daycare during these years and it was 100+ outside. We were trying to recover from a previous major financial disaster caused from unemployment and a long history of underemployment. Illness, mental forced us into fileing for my wife's sake. THough I believed I could pull out of it because the evidence was there for me, she just couldn't take it anymore. SO I did it for her.
The AC was not optional. It had to be replaced and we financed from the fancy talking salesman that acted like it was the best thing since sliced bread. Good move. Saved us money, BUT WAR continued in Iraq and that's when my wife had a major falling out mentally and health, cancer, probably interrelated. This was also around the time my son broke his arm requiring multiple surgeries and much more out of pocket than expected. Then my broken teeth had to be fixed. I worked in a professional environment and really had to avoid the hill billy look. Still paying that bill today. However, the AC didn't give us the time to pull things together. I made a few initial payments, but as I said the house was priority.
Well, this past Novermber, I received a letter in the mail offering to settle for $6,000 and the new amount owed is now $12,000 (I'm rounding for simplicity sake). Well, that was 11-28-2011. The newest letter dated 12-14-2011 and the amount states exactly twice the first. So, now it's $24,000 according to the second letter.
What's going on? We live off of a 3 year experienced teacher's salary, which is less than $50K. My wife and I are both grad students trying to retool for our new life teaching. I felt uncomfortable in my previous engineering job with the down fall of the economy and didn't want to get caught in a situation on the streets unemployed in this mess and nothing else to show for my time. So, I'm the unemployed one now.
There is also a gas card out there that I wanted and tried to pay but kept getting cut off. I wanted to set up a payment and literally got so busy that I forgot about it. It only pops up once in a blue moon. It's a Shell Card. I feel bad about it, but I juggled to make sure my wife could receive medical treatment for cancer and nothing would stand in my way of doing the morally correct thing, compared to the "contractually correct thing." Some of the collectors stooped so low as to call me a deadbeat along with a few other names and false accusation on a few occasion. That's when I put together my new OOMA phone system that cost me $230 to buy, install and use. It's free now. I pay the premium fee of $100 to help keep it going and to utilize the call blocker feature. LOVE IT!!!! It works perfect. I told the previous credotor to stop calling my cell phones. But the new guy is now calling my cell phones. It comes on during my grad classes and I haven't had time to deal with it until now... Christmas is finally here and almost gone.
According to the chart we meet the criteria for filing Ch &. However, what would Ch 13 do for us? Moreover, how would making an arrangement with the original creditor help our credit, even it I continue to blow off the collection agencies, who I won't render a steel penny for their asinine behavior towards us. Not going to happen there. The love is gone.
Please give me some advice. Don't need snarky attempts to rag on me, just some solid good advice, for free. Thanks.
Merry Christmas guys. We're living on student loans which we plan to obtain forgiveness for in the poor public education system. We're giving back, but saving time for family too. Life's way too short and money isn't everything.
Bankruptcy Wizard
I know it's hard, especially when usury doesn't seem to be illegal anymore.
Comment