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    #1

    Procrastination

    Anyone suffering from this?

    I've had my 3rd surgical procedure on my back and wanted to make sure I got a TENS (a medical device) before filing.

    I submitted by auto accident claim right before the statute of limitations was up. (Boy, was the adjuster a PITA to me--he acted like he didn't know anything about a claim coming in and I caught him in that lie which got him more ticked off.) Delivered over 200 pages of documentation to him. But the one page letter from my doctor just about says it all. Will hear the results in 2-3 weeks.

    I'm making an appointment with the paralegal on Monday to force me to have everything ready.

    Why the heck I didn't have all this ready before hand is just so dumb!!!??? I know I've been working like crazy for the last few weeks getting everything from my medical claims, but it's so hard to tie up the loose ends with the BK stuff. Expenses and personal property drives me nuts.

    Ok, done wigging out. What did you do to get over your procrastination?
    *** THIS IS NOT LEGAL ADVICE--ONLY A LAWYER CAN PROVIDE THAT. ***

    My posts represent hours of research on and off the web, these forums, my experience, and my opinions.
    Tags: None
    #2
    Originally posted by anonymuse View Post
    What did you do to get over your procrastination?
    Forced myself to realize that if I kept putting off preparing for bk, things would only get worse. Any delay with our on-the-edge finances meant higher loss of time and money. Just thinking about NOT having to worry about the collectors and the harassing phone calls any more got my arse moving every time!
    I am not a lawyer and this is not legal advice nor a statement of the law - only a lawyer can provide those.

    06/01/06 - Filed Ch 13
    06/28/06 - 341 Meeting
    07/18/06 - Confirmation Hearing - not confirmed, 3 objections
    10/05/06 - Hearing to resolve 2 trustee objections
    01/24/07 - Judge dismisses mortgage company objection
    09/27/07 - Confirmed at last!
    06/10/11 - Trustee confirms all payments made
    08/10/11 - DISCHARGED !
    10/02/11 - CASE CLOSED
    Countdown: 60 months paid, 0 months to go

    Comment

      #3
      Same Here

      Same here! Funny thing is I never got much calls from creditors/collectors, mostly just letters, however, I did change my main phone number alot, not due to credit problems (just another problem), and I never updated the creditors with it, all they had was my work number and extension and eventually since I had access to call my accounts on the internet, when I was in the DMP program I changed my phone numbers to theirs! I got one email from a CU, that it was important I contact them. I wrote back, call my attorney. Maybe I didn't get too many calls because I really did pay back close to the minimum up until I had to file? Which I hope will help if anyone of them have objections.

      Catchmeifyoucan
      July 2006: Filed Ch13 :blink:
      Oct 2006: Converted to Ch7 :clapping:
      Jan 2007: DISCHARGED :clapping:
      Nov 2007: CLOSED :yahoo::yahoo::yahoo:

      Comment

        #4
        I often wonder how many people who file for BK actually have ADD. I do, and I'm the world's greates procrastinator, have too much stuff that clutters the house, and could surely see myself forgetting about the bills, if it wasn't for auto bill pay and similar newfangled help that keeps me current. I have my Ch 13 payment on auto billpay from my CU, works like a charm and I don't even have to think about it. My retirement pay goes into the account on the last day of the month and the Ch 13 pmt. gets sent out on the 1st. That part of my ADD is solved, now if I could just make up my mind about what i want to be when I grow up.......

        Comment

          #5
          Not ADD here; instead I'm bipolar type II (aka a lesser form of manic-depressive referred to as hypomanic).

          I have papers all over the place. It's almost like if I don't see them, I forget their there. Everything except my garbage bill is auto-pay (and I'm usually behind on that.) And I don't throw anything away--that's about the only thing that's saving me with mounds of receipts.

          Before I went on meds, everything was clean and orderly since I'd go on manic cleaning/organizing binges. That's one of the parts I'd like to get back!
          *** THIS IS NOT LEGAL ADVICE--ONLY A LAWYER CAN PROVIDE THAT. ***

          My posts represent hours of research on and off the web, these forums, my experience, and my opinions.

          Comment

            #6
            I saw an attorney in Aug 05 and didn't deliver the paperwork to him until early October 05! He had to call me and say "are you still planning on filing", cuz I paid him $500 the day I saw him and the balance was due when he filed for me.

            I finally decided to think of it as a "work" task. I just made a list and did each thing on the list until it was done.

            I had to start thinking of my BK as a business transaction and every thing that went with it as work related. So, I kicked myself in the butt and got to work!

            The looming law change last October helped motivate me too

            PS: I was self employed, so I could do it during the day. I didn't have to come home from a long day of work then be faced with all the paperwork. since I was self employed, it was easy to just work it into my other work tasks, but if I had to come home from a long day at work and do it, not sure it would have been done.

            Comment

              #7
              USED TO BE a "cleaning, neat freak"..... couldn't stand anything out of place.....

              Thank goodness I "saw the light" on all that............

              Cleanliness is next to Godliness...... but God didn't intend for us to neglect our spouses, kids, friends, etc....

              Took me 40 years to realize it wasn't going anywhere till I did it...... and if today was the only day to do it - I'm too late!!!!

              My mom spent soooooooo much of her time, cleaning, scrubbing, etc. that she didn't have time for husband, kids, family, friends, or a hobby of her own.......

              No wonder her marriage suffered, and my dad never took her anywhere...... she had to make sure EVERYTHING SPARKLED before she left the house.....
              BIG MISTAKE..................

              All of us kids learned when someone yells "grab your coat" - GET IT AND GO!!!! The rest will be there when you come back............

              LIVE LIFE, ENJOY LOVE, BE A FAMILY............... SPEND "TIME" WITH YOUR HUSBAND/WIFE, KIDS, FRIENDS....... "THAT'S WHAT LIVING LIFE IS ALL ABOUT"!!!!!

              AND IF YOU SPEND ALL YOUR TIME "CLEANING" ---- YOUR GONNA MISS IT ALL!!!!!!

              Minny

              PS - If today was the "last day of your life" - HOW WOULD YOU SPEND IT????????????
              Think of everyday as that way, and you'll do things differently..........
              Minny

              "It's amazing the paths that our feet sometimes follow in life".

              My suggestions are from "personal experience" and research only. Do not consider this as legal advice. Each bankruptcy case is different.

              Comment

                #8
                My history is in my siggy:

                Made decision to pursue bk as an option: 04/01/06
                Going with Ch 7--and can keep the house (fingers crossed)
                Meet with PI attorney: 06/21/06 (con artist wasted 2 hrs of my time)
                Home market evaluation: 06/27/06 (came in right where I needed it)
                Signed retainer: 06/29/06
                Submitted Personal Injury Claim: 09/22/06

                So here it is almost 5 months after I decided that BK was the only option (and did a lot of lawyer searching in there) and 3 months after signing the retainer (thank goodness he didn't hold me to the file within 45 days part). The hardest part is coming up with the money to file. Mine is about $1500 and includes the filing fee.

                I still have never gotten an answer from them how to handle any money I may get from my personal injury claim for my auto accident. I know I pay my medical bills and the amount subrogated back to the health insurance company. In Colorado, personal injury claims and awards are exempt, but my lawyer doesn't know how to deal with it. So for now, I just have a separate checking account at a separate bank for when/if I get a settlement. (The adjuster said I'd know approximately between Oct 6 -13.)
                *** THIS IS NOT LEGAL ADVICE--ONLY A LAWYER CAN PROVIDE THAT. ***

                My posts represent hours of research on and off the web, these forums, my experience, and my opinions.

                Comment

                  #9
                  Been procrastinating for about 9 months now....also saving for the lawyer's fee and had a good bit saved but as always, an ill wind blows my way and diverts those funds elsewhere, and now I'm almost back to zero
                  When it all boils down to it, its just numbers! Your credit score, your interest rate, your bank account, and your net worth if you're fortunate enough to have one......is your happiness really defined by numbers?

                  Comment

                    #10
                    Sleep Deprived

                    I had to start thinking of my BK as a business transaction and every thing that went with it as work related. So, I kicked myself in the butt and got to work!

                    I love that idea, "business transaction," hmmm, think I'll be using that for alot of things I do.

                    Well I was going to file way back in December, but nooo, I got myself a consolidation loan for $20g's, and what did I do? GAMBLE (no not all of it, I actually did pay some cc's off - only to rack them back up again). Than 2 months later I got myself another credit card for $10gs. I really went to town with that! So would I still be procrastinating?
                    I'm more sleep deprived, I see tend to see things that are not there, most of the time when I'm driving late in the night, I would swear to goodness I would see huge trucks in front of me and slow down! But than they would quickly disappear. I would have conversations with myself outloud, maybe just to keep me awake! Maybe I was really Sleep-Driving. I guess I need to me be more cautious about driving and sleep deprivation.

                    Catchmeifyoucan
                    July 2006: Filed Ch13 :blink:
                    Oct 2006: Converted to Ch7 :clapping:
                    Jan 2007: DISCHARGED :clapping:
                    Nov 2007: CLOSED :yahoo::yahoo::yahoo:

                    Comment

                      #11
                      Catch, maybe if you quit one job, you wouldn't be so sleep-deprived and that would help your situation out (as the judge said.) Just make sure your careful what you plan to do with that new free time! Can I buy you one of those handheld slot or poker machines that people play on the bus or planes? All it will ever cost you is batteries.
                      *** THIS IS NOT LEGAL ADVICE--ONLY A LAWYER CAN PROVIDE THAT. ***

                      My posts represent hours of research on and off the web, these forums, my experience, and my opinions.

                      Comment

                        #12
                        Anon

                        thanks for the advice! got them already, even found a disk that has slot machines that look exactly like the casinos! ive been real good lately, im gambling less!

                        catchmeifyoucan
                        July 2006: Filed Ch13 :blink:
                        Oct 2006: Converted to Ch7 :clapping:
                        Jan 2007: DISCHARGED :clapping:
                        Nov 2007: CLOSED :yahoo::yahoo::yahoo:

                        Comment

                          #13
                          Yahoo
                          http://get.games.yahoo.com/proddesc?gamekey=pokersuperstars2


                          I love this game....the free web version that is
                          When it all boils down to it, its just numbers! Your credit score, your interest rate, your bank account, and your net worth if you're fortunate enough to have one......is your happiness really defined by numbers?

                          Comment

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