Posts to avoid bankruptcy?

[DeadManCrawling]

Banned is banned again. Don't need a troll "poking the bear" for his jollies here.

To Banned, et.al. - since DMC is the only person here who inexplicably wants to trade ideas with you, the next time you set up a new identity for the forum, IM him with your private email and you two can talk until the cows come home. The rest of us aren't interested. Bye bye again for now.

LOL LRPN.

Heh, I guess I DO have too much damn time on my hands, but I really enjoy a good debate, especially one where the other side comes to the table empty-handed.

Perhaps it is sadistic on my part, but to take on an unarmed opponent on THIS, of all forums, would be a highlight of my day. (Again, too much time on my hands).

I hope he DOES PM me. I could take a few limbs off this tree and leave him speechless.

Anyway, you are the moderator, and I bow to your wisdom. Other people wandering through here are coming in with thin skins and fragile, recently broken self-images, so you are absolutely correct.

Apologies, if my brash irreverent self got out of hand (again),

Best wishes,


-dmc

[lrprn]

Perhaps it is sadistic on my part, but to take on an unarmed opponent on THIS, of all forums, would be a highlight of my day. (Again, too much time on my hands). I hope he DOES PM me. I could take a few limbs off this tree and leave him speechless.

No problem at all, DMC. You just haven't had to deal with forum trolls like this one before.

Trolls often seem quite engaging and harmless, but in truth they couldn't care less what you think and most are far from unarmed. Their whole reason for doing this is simply to cause trouble between members because they like watching the turmoil they create. It's a no-win situation that only gets worse the more attention the forum pays to them. Some trolls can be technically skilled with computers and networks as well, so making any kind of one-on-one connection with them can be risky to you.

If you do decide to get involved with this troll (personally I hope you don't), do NOT use your own private email account - use a free new Yahoo or Gmail account that you can shut down immediately if things spiral out of control.

There's a pathetic sickness to what trolls like this one do in these open forums and to members to try to take them on - don't want you to get caught up in something that can spiral quickly out of your control without understanding ahead of time that there are risks to you.

[Granny]

Most filed because there was no choice. Yes, there may have been some bad decisions along the way

Wanna know what my bad decision was...what started my downward spiral....

I needed sleep. Seriously, I was sleep deprived. My alcoholic daughter gave birth to a baby that was exposed to alcohol for the first half of the pregnancy. When the baby was born, we brought her home and who do you think took care of her and her 21 month old brother. I did, while working 50 hours a week. Thank goodness, the only apparent affect the alcohol had on her is her inability to sleep. As a tiny baby, she did not sleep. She had the worse case of colic I had ever seen. Even today, she still has sleep issues.

I finally quite my job to care for this baby and her brother while my daughter, their mother was out drinking and drugging every night and getting arrested almost as often. Hubby quit his job and went back on the road so I could be home with the babies. We did fine the first few years but then the increase in fuel prices eat up any profit we had, so here I am.

All because I was sleep deprived. Now what in this tale of woe could I have done to avoid bankruptcy, turn my back on my newborn granddaughter? Let my alcoholic, drug addict daughter take these kids. I think not.

P.S. I made my credit card payments on time every month up until the day I filed, unfortunately, I paid the credit cards before I paid the mortgage, always believing that hubby would get better loads and get us caught up.

[whatamess]

Granny KUDOS to you. Its amazing how many grandma's are taking on the responsibility of childcare these days from irresponsible parents. Even here, in a very stuffy area we have quite a number of grandchildren being raised by grandmas. One mom is in jail, another is gone...abandoned her kids. The deadbeat parents need a kick in the butt.
Im so sorry about your daughter. My one sister is like this too. We just lost a niece a few months ago to drugs. Dead at 26, left behind a one year old. You would think uncle sam would do something more. Sometimes I think big brother is getting a kickback. They refused to help my niece. They would just let her out of rehab as soon as she sobered up. She was doing crack in rehab!!!
WAM

[JollyGG]

As a tiny baby, she did not sleep. She had the worse case of colic I had ever seen. Even today, she still has sleep issues.

Facinating new research is linking SIDS (sudden infant death syndrome) with early exposure to alcohol (around the time of conception and during the first trimester). Evidentally the area of the brain affected in FAS (fetal alcohol syndrome) sits right next to the area effected in SIDS.

So thank the lord for your grandbabies poor sleeps schedule. There could have been other effects.

[Granny]

So thank the lord for your grandbabies poor sleeps schedule. There could have been other effects.

Yep, there's always a bright side to every dark cloud. SIDS did cross my mind again when these babies were dropped in my lap and I was glad when those days of worrying and wondering were over.

[Granny]

My one sister is like this too. We just lost a niece a few months ago to drugs. Dead at 26, left behind a one year old. You would think uncle sam would do something more. Sometimes I think big brother is getting a kickback. They refused to help my niece. They would just let her out of rehab as soon as she sobered up. She was doing crack in rehab!!!
WAM

I'm so sorry for your loss. It's always a real tragedy when a young person is taken by drugs. Such a senseless loss.

I lived in fear for years while my youngest daughter did every drug out there. She too left rehab to go try a new drug, the last time it was heroin. But thankfully, that must have been her bottom. She didn't do it long enough to get addicted to it and she kicked the crack on her own. From what she is telling me, she is now probably 90+ days sober. I'm still so angry at her, I don't want her coming around, so we only talk on the phone.

I lost a daughter to an auto crash 10 years ago this coming December and I knew I could handle the death of my youngest. I lived in fear that she would take someone else with her. That I would have a hard time living with. She would get plastered and then get behind the wheel. I think that's why I poured so much time, effort and money into trying to help her. So she wouldn't do to another family what was done to us.

Funny thing is, it took bk for me to finally cut her off from all my support and that's when she cleaned herself up.

Wow, I think I just found another silver lining. and you know what, we survived the death of my oldest daughter and we will survive bk also.

[whatamess]

My goodness,
Granny, you are a fighter. Im a basket case. Ive lost my father(heart), BIL(accident), niece(drugs), friends (leukemia, drugs and accidents) but a child has to be the worst.
I hope you get a new beginning and your daughter does as well. maybe this is the best thing yet for you all.Blessing come in odd ways?

The night my niece passed my BIL had given her money as she was behind in her rent and going to be evicted. She ate dinner with him, and said she was going to pay her landlord and go to bed as she was tired. She was supposed to go to rehab for herion the next morning. She used the money for a last minute party with her friends. He wishes he had cut her off....money wise.
WAM

[Granny]

My goodness,
Granny, you are a fighter. Im a basket case. Ive lost my father(heart), BIL(accident), niece(drugs), friends (leukemia, drugs and accidents) but a child has to be the worst.
I hope you get a new beginning and your daughter does as well. maybe this is the best thing yet for you all.Blessing come in odd ways?

The night my niece passed my BIL had given her money as she was behind in her rent and going to be evicted. She ate dinner with him, and said she was going to pay her landlord and go to bed as she was tired. She was supposed to go to rehab for herion the next morning. She used the money for a last minute party with her friends. He wishes he had cut her off....money wise.
WAM

I lost my dad when I was only 22 and that was the most difficult because it was the first close death I ever had to deal with. But as I aged I realized that in order to survive after a tragedy, you have to face the tragedy head on, and this includes BK, job loss and death. You have to look for the good in everything and that includes the death of a loved one. Your niece is no longer tormented by the demons (drugs) in her life. Everyone always says, they are in a much better place, but what does that mean, since we truly don't know where they are. For me, it means my daughter never has to face her own personal demons again and she has been spared the demons that would have come along as she aged. She will never ever have to experience a hot flash, and that's just one of the little annoyances we must go through. She has been spared all the heartbreaks we must go through and for that I am VERY grateful. I was never sad for her, and when I cry now because she is gone, it is not for her that I cry , but for me because I still miss her. For her, I am very happy, she has gone on to better things. (I'm Catholic, so based on my religious beliefs, she has not gone straight to Heaven.)

My daughter's boyfriend was also killed in the crash and his parents have not moved on, they are still grieving deeply and that is a tragedy. The boy who crashed into them has let it ruin his life too, and that's a tragedy because he was only 20 too. I didn't want it to ruin his life, I wanted him to recover from it all and do something productive with his life, but unfortunately, he didn't. He's now a resident of the penal system for other rimes committed after the crash.

I hope you and your family can come to the point where you are happy for your niece, sure you will miss her, but she has been released from the bonds of life here on earth and truly has gone on to something better.

Did you read my posts about ghosts?

[robivi3]

This is the one, the original "Lightning" reappearing. he loves to goad. I would love to find out who but mostly why he/she posts here. It is a bit bizaare when you have been here for years and see the stretches he takes to insult including wondering why some aspect of this site was registered in England, I think it was the name registrar or something like that.

[whatamess]

You mean to tell me that the same looser keeps coming back? Just to annoy people? Do they have the same ICQ # all these years?
If thats true then this person seriously needs help. BIGTIME!!!
WAM

[chpxiii]

While I know that the OP has been banned (Yay!) I just want to make it clear that Yes!!! We *CAN* change our spending habits after bankruptcy!!!! I am a prime example of that.

Thank you for letting me get that off my chest.

[Granny]

Yes!!! We *CAN* change our spending habits after bankruptcy!!!! I am a prime example of that.

I plan to change my spending habits. I plan to start spending the money I had foolishly been paying to the credit card companies on ME, my family and our health and a few other pleasures in life....it's MY turn.

[CurtInKS]

I plan to change my spending habits. I plan to start spending the money I had foolishly been paying to the credit card companies on ME, my family and our health and a few other pleasures in life....it's MY turn.

Very interesting point of view. My wife and I sat down, and created a 3 year budget, for our post bankruptcy life. Our top 2 goals are to pay off our house, and car, both of which can be done, in 3 years, if we really tighten up. I wouldn't do it like this, but our house is so small, we just fall all over each other, and we want to purchase something bigger. Anywho, no. 3 on our list is a vacation. I've never take a weeks vacation, having been employed with this job for the past 5 years, and not been unemployed since I turned 16, 19 years ago. I will probably go into shock, taking a full week off, but I think I am due.

[whatamess]

CURT, PLEASE take a vacation....thats way to long. Spend some time with your wife, life should be some pleasure.
I know all about tripping over people. We have five people in a small three bedroom home, 1 1/2 bath home. We are living with my mother, who has not got rid of anything since about 1965..need I say more?
OUR dream is to buy a home of our own, sooner than later.
WAM