I used to get phone calls from creditors for the guy that used to have my job. I simply told them "he does't work here any more". Ironically, his wife is a doctor with her own practice.
Okay, I keep reading about of some being "Judgement Proof?" I only have 2 outstanding debts that I never was able to pay up before it went rogue on me. Now it's like dealing with the ever determined "Jack Bauer" of "24". yes, that's partly why I use the username.
1) How much does it cost to file in Texas?
2) Would a family of 5 making less that $50K be considered untouchable? If so, why and if not, why?
3) How long would it be today in order to be able to refinance a home, or buy a new car, etc?
I know that the rules have changed since I filed the last time in 1998, which is why I've been avoiding it. I wanted to see if the creditor would ever pull their head out of their duffel bag to actually sincerely work with me as some creditors have in the past. Obviously some creditors are more legitimate than others. I never fill out any store credit card and basically tell the recruiters to suck an egg... but in a nice way. I teach them "don't ever do that", it will always blow up in your face should you stumble. I'm a walking financial educator now. Once our children are out of the house, I can easily see our standards jumping up tremendously. But that won't be fore a while. By the time my daughter reaches college, I'll be 62. Between now and then, i hope I don't need clean credit. In fact, since I want to teach I doubt it matters that much. I get the feeling that all of the creditors have information somewhere in their huge databases that we've filed anyway in the past.
Okay, I keep reading about of some being "Judgement Proof?" I only have 2 outstanding debts that I never was able to pay up before it went rogue on me. Now it's like dealing with the ever determined "Jack Bauer" of "24". yes, that's partly why I use the username.
1) How much does it cost to file in Texas?
2) Would a family of 5 making less that $50K be considered untouchable? If so, why and if not, why?
3) How long would it be today in order to be able to refinance a home, or buy a new car, etc?
I know that the rules have changed since I filed the last time in 1998, which is why I've been avoiding it. I wanted to see if the creditor would ever pull their head out of their duffel bag to actually sincerely work with me as some creditors have in the past. Obviously some creditors are more legitimate than others. I never fill out any store credit card and basically tell the recruiters to suck an egg... but in a nice way. I teach them "don't ever do that", it will always blow up in your face should you stumble. I'm a walking financial educator now. Once our children are out of the house, I can easily see our standards jumping up tremendously. But that won't be fore a while. By the time my daughter reaches college, I'll be 62. Between now and then, i hope I don't need clean credit. In fact, since I want to teach I doubt it matters that much. I get the feeling that all of the creditors have information somewhere in their huge databases that we've filed anyway in the past.
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