I need to put a little time in between me and filing. I have been struggling for years but earlier in the month I went a little crazy with my bank account and gambling (my fault and stupid) I thought I had cleared that up and closed the account but I missed out on a few of the online casino deposits and now my bank account is back in the negative. I want to bring that checking account up to positive before filing (I'm afraid TT will say I spent money that could of went to CC debt to gambling) which I did but I barely made ends meet before (and my intent wasn't fraud I just started gambling online in January and won paid some bigger amounts on CC's and it felt good) 24k cc debt and I make 1600 gross a month bf pitches in about 1000-1400. But he's sick and tired of paying money he works for to my debt. I'm still in shock at what I've done since January with gambling. I wasn't even living paycheck to paycheck before this. I was living next paycheck to next paycheck.
I stupidly thought I could keep paying off debt this way. I was just desperate. I own my house have a little equity in it. I pay the HELOC on time every month. I know Florida is very lenient when it comes to the homestead and that being protected. I'd file right now if I didn't get stupid back in January/Feb/and beginning of March. I've taken the means test I more than qualify for Chap 7. But I've made such a mess with this gambling. It's done I've stopped. I'll never win I know this now. But for years I struggled paying the debt just getting by. In January when I finally won I thought I found my cure all.
I'm just terrified. I haven't been honest with myself, my boyfriend, my friends, or here when I've asked questions before, out of embarrassment. I got desperate and screwed up. I just wish I could show the Trustee just how long I struggled before being stupid. But right now what he will look at won't be pretty. I didn't use CC's for gambling but I did use my bank account. Money I work too hard for to be so stupid. Any advice please.
Again I know I've posted before and have not brought up just what I did with the gambling. I'm sorry for that. I was desperate. It's no excuse and I know that but I just convinced myself I could win and pay off all the debt.
I've talked with one attorney over phone who made it seem like it should be an easy Chapter 7. I didn't tell him the damage I did with my banking account though. If I try and put time between this will my house be ok?
Thank You
I stupidly thought I could keep paying off debt this way. I was just desperate. I own my house have a little equity in it. I pay the HELOC on time every month. I know Florida is very lenient when it comes to the homestead and that being protected. I'd file right now if I didn't get stupid back in January/Feb/and beginning of March. I've taken the means test I more than qualify for Chap 7. But I've made such a mess with this gambling. It's done I've stopped. I'll never win I know this now. But for years I struggled paying the debt just getting by. In January when I finally won I thought I found my cure all.
I'm just terrified. I haven't been honest with myself, my boyfriend, my friends, or here when I've asked questions before, out of embarrassment. I got desperate and screwed up. I just wish I could show the Trustee just how long I struggled before being stupid. But right now what he will look at won't be pretty. I didn't use CC's for gambling but I did use my bank account. Money I work too hard for to be so stupid. Any advice please.
Again I know I've posted before and have not brought up just what I did with the gambling. I'm sorry for that. I was desperate. It's no excuse and I know that but I just convinced myself I could win and pay off all the debt.
I've talked with one attorney over phone who made it seem like it should be an easy Chapter 7. I didn't tell him the damage I did with my banking account though. If I try and put time between this will my house be ok?
Thank You
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