Just got it the other day. WOO HOO!!! Man it feels good to be done. We had a great attorney and the process was actually extremely smooth. Now where do we go from here? The situation we're in right now is a bit transitional. My wife is still unemployed-her unemployment ended up being a blessing in disguise because it allowed us to avoid a CH13, but she's been on unemployment for nearly 9 months now and will run out of benefits this November. She is currently in school trying to get her special education certification (she has five years of teaching experience and a Masters in English but was laid off due to budget cuts) in order to make herself more marketable. She has sent out a lot of resumes but no calls yet. Basically the only debt we carried through the BK was our home (we didn't reaffirm of course), a new car that we bought just prior to filing, and student loans. Mine are paid by my employer and hers are currently in deferment due to her unemployment.
The best scenario for us is for her to get hired for the 2013-2014 school year so we're hopeful on that front, but only time will tell. Right now the combination of unemployment and my job allows us to pay the mortgage and the bills and save a little as well. If she is able to go back to work soon we can really kick our six month emergency fund savings into high gear. If she isn't able to go back to work we're probably going to investigate what options are available to us through our state's mortgage assistance program. If that doesn't work we'll have to walk away. Obviously a lot is up in the air right now, but regardless, being free of the credit card debt that was ruling our lives is a major step forward. Our attorney recommended checking our credit at 30 days, 90 days, and one year post discharge. Other than that, what else should be doing/be on the lookout for? We are not planning on taking out any credit cards or attempting to "repair" our credit just yet. I assume that the applications will begin coming in the mail, but the last thing I want to do is charge anything these days. My wife getting a job and saving are our two biggest priorities.
The best scenario for us is for her to get hired for the 2013-2014 school year so we're hopeful on that front, but only time will tell. Right now the combination of unemployment and my job allows us to pay the mortgage and the bills and save a little as well. If she is able to go back to work soon we can really kick our six month emergency fund savings into high gear. If she isn't able to go back to work we're probably going to investigate what options are available to us through our state's mortgage assistance program. If that doesn't work we'll have to walk away. Obviously a lot is up in the air right now, but regardless, being free of the credit card debt that was ruling our lives is a major step forward. Our attorney recommended checking our credit at 30 days, 90 days, and one year post discharge. Other than that, what else should be doing/be on the lookout for? We are not planning on taking out any credit cards or attempting to "repair" our credit just yet. I assume that the applications will begin coming in the mail, but the last thing I want to do is charge anything these days. My wife getting a job and saving are our two biggest priorities.
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