Okay guys - I paid a $200 retainer to my attorney this morning for the starting of my bankruptcy. I go back on March 8 with all the papers I need to get things rolling - statements, check stubs, income tax papers.
The fee on bankruptcy is $1295, filing fee of $295, and the credit counseling is $50. A total of $1640. I now owe $1440 and he set up payments of $200 every other week for me, so I have 7 more payments to go. I'm glad because if he had wanted all of it upfront, I'd have been in deep doo-doo.
My only problem is this week at work I found out some hours are going to get cut on lots of us. I have spent the past 3 weeks looking for a better paying job - one that goes along with my hours at college due to going full time - and haven't had any luck.
I'm going to be so stretched in my budget it's gonna be unreal. I almost have no choice other than to take the $2000 student loan I have available on March 26...I had posted about using it for legal fees...but the way work is going, it will be used for all my living expenses just about. I just got this new apartment and I have to make my rent payment. If I have to take it out, I'll be very upfront about it - and I know it's not something that will be discharged so I know it will be paid back starting in 2010.
I've set some goals in my life and I have gotten some of them started:
Divorce (about 1/2 over)
Move (DONE!)
File Bankruptcy (Paid Retainer today - paperwork to start in March)
Find Better Paying Job - (I pray to God something comes along that coincides with my full time class schedule)
I feel good that I see the bankruptcy in motion now, but finding out this week about the work hours cut and knowing I have to pay more legal fees on top of all my other expenses has kind of put a damper on it a bit. But nonetheless, it's in motion.
I'm just hoping to catch a break soon - I have done everything I thought I was supposed to do. I'll keep on going because I have my daughter to worry about - since her father hasn't picked her up since 8/2005 - part of my problem has been such deep depression - being broke on top of my stbx leaving and abandoning our daughter has really threw me for a loop. Thank God for Wellbutrin and folks to talk to..I don't think I would have made it this far without them.
Just sorta talking out loud today - thanks to you all for listening. I honestly didn't want to take that student loan out in March, but as of now I may not have much of a choice.
The fee on bankruptcy is $1295, filing fee of $295, and the credit counseling is $50. A total of $1640. I now owe $1440 and he set up payments of $200 every other week for me, so I have 7 more payments to go. I'm glad because if he had wanted all of it upfront, I'd have been in deep doo-doo.
My only problem is this week at work I found out some hours are going to get cut on lots of us. I have spent the past 3 weeks looking for a better paying job - one that goes along with my hours at college due to going full time - and haven't had any luck.
I'm going to be so stretched in my budget it's gonna be unreal. I almost have no choice other than to take the $2000 student loan I have available on March 26...I had posted about using it for legal fees...but the way work is going, it will be used for all my living expenses just about. I just got this new apartment and I have to make my rent payment. If I have to take it out, I'll be very upfront about it - and I know it's not something that will be discharged so I know it will be paid back starting in 2010.
I've set some goals in my life and I have gotten some of them started:
Divorce (about 1/2 over)
Move (DONE!)
File Bankruptcy (Paid Retainer today - paperwork to start in March)
Find Better Paying Job - (I pray to God something comes along that coincides with my full time class schedule)
I feel good that I see the bankruptcy in motion now, but finding out this week about the work hours cut and knowing I have to pay more legal fees on top of all my other expenses has kind of put a damper on it a bit. But nonetheless, it's in motion.
I'm just hoping to catch a break soon - I have done everything I thought I was supposed to do. I'll keep on going because I have my daughter to worry about - since her father hasn't picked her up since 8/2005 - part of my problem has been such deep depression - being broke on top of my stbx leaving and abandoning our daughter has really threw me for a loop. Thank God for Wellbutrin and folks to talk to..I don't think I would have made it this far without them.
Just sorta talking out loud today - thanks to you all for listening. I honestly didn't want to take that student loan out in March, but as of now I may not have much of a choice.
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