Long story short, I should have filed for BK in 2008 when I lost my job, but kept trudging through everything and ended up landing a better job. Fast forward to 2011/12 and circumstances changed and I ended up having to commute to work over 160 miles round trip each day. It got costly and I made a choice to leave and to file BK and really go through with it this time. That was 1/27/12 - the last day of work for me. I had been reading on here for a long time and seemed to be prepared with statements, etc... I figured I had to wait at least 6 months for my income to fall off, I currently am still unemployed.
During this time of 2008-2012 I got married last fall and we decided to not have anything joint together which has been a great thing. I'm going to file by myself without my wife. She makes a decent income.
So I finally met with an attorney at the end of June this year to see how to move forward as the creditors were calling and my car was repossessed as well. We worked through the Means test and the other and he seemed to think we could file early, but then came back a few days later and said no since my income was still being included in the last 6 months. Anyway, my last paycheck was dated 2/23/12 and we found out in July that we would have to wait until September now for me to file since my income will be completely off.
I do not have any bank (checking/savings) accounts anymore. Those were closed back in the first of February. I don't have a car, really no assets other than a nice scooter and no money. I've paid the attorney, so I'm antsy to get this started in a week or so.
I am still confused about the household income situation though. My wife makes right at the max income for our state (Indiana) and she got a nice size bonus since the summer as well. Since I'm assuming he'll have to run through all the numbers again I'm hoping I will be ok. Expenses have increased a little bit. My wife bought a bigger house with a bigger house payment. My wife's credit is perfect and she has only a house and car payment.
I'm just scared, I want to start this process as it's been almost a year and i know once I do file I have to wait for the 341 meeting and than 60 days after approximately before it's discharged. I want to move on and I feel like I've been waiting all year for this. So many sleepless nights and anxiety.
I just wanted to share my experience and hope for the best come first of September in hopes of finally filing for Chapter 7.
During this time of 2008-2012 I got married last fall and we decided to not have anything joint together which has been a great thing. I'm going to file by myself without my wife. She makes a decent income.
So I finally met with an attorney at the end of June this year to see how to move forward as the creditors were calling and my car was repossessed as well. We worked through the Means test and the other and he seemed to think we could file early, but then came back a few days later and said no since my income was still being included in the last 6 months. Anyway, my last paycheck was dated 2/23/12 and we found out in July that we would have to wait until September now for me to file since my income will be completely off.
I do not have any bank (checking/savings) accounts anymore. Those were closed back in the first of February. I don't have a car, really no assets other than a nice scooter and no money. I've paid the attorney, so I'm antsy to get this started in a week or so.
I am still confused about the household income situation though. My wife makes right at the max income for our state (Indiana) and she got a nice size bonus since the summer as well. Since I'm assuming he'll have to run through all the numbers again I'm hoping I will be ok. Expenses have increased a little bit. My wife bought a bigger house with a bigger house payment. My wife's credit is perfect and she has only a house and car payment.
I'm just scared, I want to start this process as it's been almost a year and i know once I do file I have to wait for the 341 meeting and than 60 days after approximately before it's discharged. I want to move on and I feel like I've been waiting all year for this. So many sleepless nights and anxiety.
I just wanted to share my experience and hope for the best come first of September in hopes of finally filing for Chapter 7.
341 on September 23 
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