It's been a while since I was here....long story short, I was considering BK, waiting for tax refund so we could pay attorney fees to do so. Now we are expecting money to be coming in the next two weeks or so. I have yet to FIND an attorney that I want, b/c I am not able to get out of the house much, will be having a baby really soon and am on "semi" bedrest at the moment. Anyhoo....I never dreamed our tax return would be this much ($3700) and DH has never been on board with BK. He thinks we should pay some bills off and keep stalling on the others. I say, we can take SOME of the money for attorney fees and file, rather than paying ALL the money to CA's and still being in the hole years from now. My way makes more sense right??
Well.....I was keeping my head above water with the car until recently. I used it as collateral to take out a loan with Citifinancial some years ago, and I owe Citi around $6k, paying $300/month. We are behind on January and February payments. So they have the title to the car b/c we used it as collateral and I am constantly looking out the window to see if it's still there...wondering if I should take my personal belongings out, my son's carseat, etc. just in case. If they take it, whoopti do, we live in Louisiana and the A/C is broken....I don't plan on driving it around much after the warm weather comes back in a few months. My husband has a truck and if they take the car and we have to share a vehicle we will. So....should I take my stuff out? Should I be nice and leave it unlocked with the keys in it lol? But then maybe someone would steal it....would I get insurance money if so,
OH MY! (just kidding!) A while back when I talked to them they told me they really don't make a habit of taking people's cars away and they'd rather work with you. It's not worth much, about $1k. I mean, I could give them some of the tax return to catch up on payments....but wouldn't it be wasting money if we DO file BK? I wish my husband would just get on board with me. Everyone he knows that has filed, did ch. 13's. He doesn't get that we can most likely do a ch. 7.
Well.....I was keeping my head above water with the car until recently. I used it as collateral to take out a loan with Citifinancial some years ago, and I owe Citi around $6k, paying $300/month. We are behind on January and February payments. So they have the title to the car b/c we used it as collateral and I am constantly looking out the window to see if it's still there...wondering if I should take my personal belongings out, my son's carseat, etc. just in case. If they take it, whoopti do, we live in Louisiana and the A/C is broken....I don't plan on driving it around much after the warm weather comes back in a few months. My husband has a truck and if they take the car and we have to share a vehicle we will. So....should I take my stuff out? Should I be nice and leave it unlocked with the keys in it lol? But then maybe someone would steal it....would I get insurance money if so,
OH MY! (just kidding!) A while back when I talked to them they told me they really don't make a habit of taking people's cars away and they'd rather work with you. It's not worth much, about $1k. I mean, I could give them some of the tax return to catch up on payments....but wouldn't it be wasting money if we DO file BK? I wish my husband would just get on board with me. Everyone he knows that has filed, did ch. 13's. He doesn't get that we can most likely do a ch. 7.
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