Bankruptcy in FL - any info?....sm
Posted By: overwhelmed on 2009-01-29
In Reply to:
I divorced about a yr and a half ago and have been slowly drowning since. It's been recommended that I look into filing bankruptcy and since I just had a car repo'd, I'm leaning that way. The problem is, there are no bankruptcy attorneys in my area and the closest bankruptcy court is 3-1/2 hours away so I don't know where to begin. Do I need an attny or do I try one of those online services that prepares the paperwork for you? How hard is it/how bad?
If anyone has filed under the new laws (after 2005) and has any info/advice, I'd really appreciate it. I'm a wreck and any information would be a great help. 
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Years ago I took bankruptcy and then
after that time only paid cash for things. Years down the road when I wanted to buy something on credit, had an absolutely clean record, no bads, no goods, almost like first starting out. Since the early 70s I have repaired my credit to the point I could buy about anything I want to today but-I would much rather pay out of pocket than to owe and owe probably overall less than $10,000, just hate to go in debt. Have some property I am selling soon so that amount will be paid off leaving me with a clean slate. You can get yourself out of debt, you can take bankruptcy and still come back, your credit can be horrible and you can recoup. It takes time to do this but it is so important now with so many people checking your credit just to see if you are a good risk. Recently put about $10,000 in a CD in a new bank and they checked my credit just to open that acct! I know they are checking credit reports now for housing and jobs so best to try to improve a bad one.
Saw your post and you can come out of bankruptcy
smelling like a rose. I declared many years ago, and I have the best possible credit now ever. I do not care for credit, turn it down most of times when offered, have 1 credit card, paid off my other, well actually have a Home Shopping acct, forgot about that but really I keep my credit under control. I just had really big renovation done at my home and paid up front for all that. I just HATE to owe like in years past. I have 2 children, 1 is a real dead-beat when it comes to finances and the other probably has credit as good if not better than mine. Go figure! Credit is being responsible and working hard enough to pay for it once you have it and not be slack about it. I learned lessons from years ago, worked really hard and now have bills under control instead of people calling dunning me for money I owe.
I worked in bankruptcy law for several years... sm
Let me preface this by saying this is NOT LEGAL ADVICE. It is simply information I have gleaned by working for collection law firms over th years. The lawyers I worked for advised me personally to always put "PAID IN FULL" on any check you send to pay something off. When a creditor gives you a payoff amount, it is THEIR responsibility to get it correct; if they don't, the "PAID IN FULL" is a legal agreement that they accepted that as full payment. It saved me a lot of heartache over the years.
Now, don't try this on your mortgage or if you owe a substantial balance; that it not what we are talking about. That is fraud if you do it, and it will not work.
It never hurts to use those little "note" lines on your checks to record your honest intentions. Then, you have grounds to fight back when they try to charge something unfairly, i.e., finance charges after the fact. Food for thought.
It is called Bankruptcy Protection for this reason
I'd make a personal appearance at the bank with a letter from your attorney if the money is desperately needed.
Has anyone filed bankruptcy separate from their spouse?
My husband and I have all bills and checking accounts separate except for the cars and we split the household bills. I have a ton of credit card debt and with MT pay being less all the time, was thinking this may be the only way out. I know the spouse doesn't have to file if their name isn't on the account, but is this very hard to do? Thanks for any info.
It gets worse - the family declared bankruptcy and let their sm
house go not too long ago. GF is confirmed to be "native Iraqi". What a mess.
http://www.cbsnews.com/stories/2009/01/30/earlyshow/health/main4764432.shtml
File for bankruptcy protection if you have equity in your home
dd
What is sadder is the grandparents live in a small home, 3 bedroom, and filed bankruptcy 2 years ago
nm
Thanks! That was enough info for
me to find the sheet music :)
Some info for you
http://www.ldonline.org/article/8023
LOL! I did not know that! Thanks for the info!! nm
m
Thank you for the info.
I just registered and I appreciate your response. I'm sure my husband would love for me to have more of a sex drive. ;)
Gee. thanks for the info! I appreciate it! nm
nm
info
Needing this information depends on if you need to use both of your incomes. If not, i would not worry about getting this letter. All mortgage companies are different in what they require. I would just try to use your previous 1099. I am sure the company would not have a problem writing this letter though if needed. If you just explain to them what it is needed for. I am sure you would not be the first person to ask of this.
I don't own a TV but get info from the net
x
Thanks for the info but not really getting that much
No matter what the cost of the property sold, the rate I am paying (as others would do) is less than $3,000.00! When you take into consider the previous realtor I had was charging 10% of the total amount, I am coming out smelling like a rose. I tried to tell my relative the earnest money was like down payment but apparently not being believed. Their son was selling some property without a realtor and they got up front and got to keep around $500.00 from a sale that did not go through but mine, I told her, was different. Thanks!
Thanks so much for the info!!
x
Thanks so much for this info..
am sitting here wondering why did I not think of that! I think there is a new walk in really close to me, in fact. I have fibro, like I said and I am 1 big ache to start with with pain in the legs, arms, shoulders but this most excruciating pain right now is in the ribs, not more 1 side than the other, almost unbearable. I once again appreciate so much the helpful thought!
Thanks for the info!
nm
Thanks for the info..
Going to try it out.
more info
She's been on BCP for around a year now...not for contraception initially...for dysfunctional bleeding. Thankfully though, she's somewhat protected. But you know, pregnancy isn't what scares me the most, it's a deadly disease that she could contract...it's a disease that could leave her unable to have a child when she does meet the man she wants to marry. I just feel like crying, she's my little girl...
You don't need a cop to get that info. - sm
It can be found on the internet (for a price) if you know where (Florida) and how to look.
Hey, thanks for all the info
I especially like the part where you say, "I'll be firing AT&T for the phone service." . . . sounds REALLY good about now. Have had a few problems since "the change", and seems they always want to have me try to discuss the issues they are causing with their employees overseas. All I got ta say about dat is . . . taint gonna happen.
Huh? What was that? I need you to transfer me to someone in the United States! LOL!
Thanks again!
more info...
My son is 8, he's in 3rd grade.
He can concentrate for hours on videogames. We spend all of our time together, except for the hours he is in school. Of course, I'm a SAHM MT, so that makes for more time for us. He talks nonstop to everyone, everywhere, all the time. However, my dad and my DH's dad do the same thing, so that could be inherited!
I'm not sure if ADD is the right word here, but don't know how else to describe it. He's not behind by any means in school, however the thing is, it takes him twice as long to complete *jobs*, as his teacher puts it, than the other kids. I know from my experience with him and homework, and it's like pulling teeth sometimes to get one worksheet done. He's just extremely social, I guess. He can't sit still. He has a hard time focusing, I do know that much.
Medication is the last thing we want to do (yes, his father is VERY involved in his life...we are an intact family). I'm thinking about taking him to his ped's office just to talk about some things we can try. I don't want him labeled with anything unless we know for sure he has it. I'm just exploring options right now.
Thanks for the advice and responses y'all, keep 'em coming!
Thanks for the info.
xx
Thanks for the info!
I thought there would be more restrictions but I guess it is more or less common sense.
Thank you for this info!
We have been tangling with FAFSA since my daughter graduated high school in 2004 but the school that she goes to is less than helpful in giving out information. I have learned more from you than all of the financial "experts" we have spoken to. Thank you for posting!
More info...
He's worked for this company for 11-12 years, however they just moved across town in July, so he's been driving since then. He absolutely hates the drive, comes home tired and cranky every night. And by apartment, I did mean one of those weekly hotel-thingies.
thanks for the info
Thanks a lot - I am kind of leaning toward the Monte Carlo but will do a lot more checking before deciding. . I do think it would be best to stay on the strip.
thanks for the info
Thanks guys. Glad to hear there are some happy people out there. I'm looking forward to knowing all there is to know and getting on with the every day stuff. Happy New Year.
Some info
http://altmedicine.about.com/cs/womenshealth/a/PMS.htm
Thanks for the info sm
I definitely need to lose the plastic hamster cage. It has metal slats on the sides and all of their bedding gets pushed out all over the floor. Who ever thought that was a good idea. I wish they would have warned me at the pet store.
BTW, three days after we got them, one of them chewed its tail off or one of the others possibly did it. Ever heard of that?
More info...
The dinner is going to be at a 5-star resort in CA. Of course, he hasn't gotten me much info yet. He'll wait til the last minute, as usual. I don't know anyone else to call that may know for sure what this event is like, but it sounds maybe *swanky* but not black tie...thanks for your response though!
Thank you for the info...
Her mom called me again a little while ago. Just wanted to chat. I know she will come around on her own. I will respect her wishes to be left alone. It just baffles the heck out of me.
more egg info
I had a friend from England and she always stored her eggs in an egg basket on the kitchen counter! She said that's always been the way they did it in England. I was amazed she wasn't dead of some kind of horrible egg bacteria poisoning.
Thanks for the info!
xx
Thank you so much for the info..sm
This little one is just a sweetheart! She is an absolute doll. I just feel so bad for her when she cries and cries. When we first brought her home she was given an anxiety medication to help her calm down and to help her deal with the coughing. She would cough so much she would get out of breath and then couldnt get enough air in. At one point she was in ICU for respiratory distress. We have a Cavalier King Charles Spaniel and he just loves his basset sister! He is always trying to love her and make her feel beter and they sleep together all the time. My daughter made a sign over their pet bed that says King Monroe and Queen Zoey sleeps here!
Anyway, thanks for the info. I appreciate it!!
Thanks for all the info cat, unfortunately
it is snowing here and the entire sky is gray. I doubt we will get to see anything but we are certainly going to try.
thanks for this info! nm
nm
Thanks for the info sm
I think my husband could probably change those too, but $100 each bearing, and it's happened several times to you, that would get really aggravating. I'm considering a different vehicle, possibly. I like my car alot, but if this is something that could be ongoing, i don't want the headache. we have a 1994 dodge dakota that we bought brand new and he maintains it and we never have problems with it. i just think some of this new technology on the cars isn't so great.
thanks for your info! it helps to know what other people have done. there is a website i found topix.com that have a whole bunch of people on there that have had this problem and some of them said what they did to help the problem.
thanks for info sm
i don't even have credit cards to some of these accounts that are open. i think i will end up closing some of them. i think there are at least 10 or so of these credit card accounts that are open on my credit report that i don't use at all and haven't used for many years.
More info..
First, her name is Dixie Lucille...she's precious!
Second, I am in no way expecting her to be fully potty trained by now, my thing is she poops in her kennel, then gets it all over herself. She goes out at least every hour on the hour. She eats at 7, 12, and 5 every day, then goes out to potty, walk, etc. We did not get her from a *breeder* per se, a neighbor had pups so we got one from her. She was kept outside when she was with her family.
We do the whole praise and treat thing when she goes outside. We play with her, we walk her regularly...I am a bit impatient by nature, guess that's something I need to work on.
Anyway, thanks for all the advice. I'm not ready to give her up yet. Our 9 YOS loves her, which is a HUGE accomplishment for him, as he has always been afraid of dogs, but like me, fell in love with her when we saw her. My DH always wanted a Basset, so held out until he found one. She's a sweetie and I know her accidents are not her fault...I just hate cleaning up the mess and having to wash her off again and again. I'll keep y'all posted on her (and my) progress!
Where do you go for this info?
I have been doing research and I found my grandfather's family that I had been told we all deceased, but I have a really hard time finding information. WOuld you mind sharing what resources you use to find things? I would really like to research more but I end up frustrated that I can't find anything. They always tell me there's stuff but then they want more and more money and I don't know how to research without spending a pretty nickel.
Thanks for the info.
I heard the unplug thing on the radio, several times. It wasn't just a talk show but like a public service announcement format so I thought it was legit. They didn't say anything about lights on the appliance but that makes sense. Thanks for clearing that up. :)
Thanks. I got info from 2
credit companies but I must have answered wrong on another as it told me it was going to mail me something. My take was that it did not believe I was who I was. Anyway, I have 3 negs. Unfortunately the oldest won't drop off until 2010. Seems like a lifetime away. Also, 2003, when it happened seems like a lifetime ago. LOL. I have never had any foreclosures, repos, bankrupsies, just payments over 30 days late. I kind of worry now if I would ever be able to buy a car or house with that. I don't plan on financing anything right now but maybe in the future. I don't know my credit score as it said I had to pay for that.
a little info
http://www.yahoo.com/s/1013451
Thanks for all the info!
I think we have all the sockets covered by furniture (tiny living room!) and I'm going to steam clean the carpet this weekend because I remember her mommy telling me she's gotten to the stage where she'll put ANYTHING in her mouth, hair, dirt, etc.
Thanks for that info.
xx
Where do you get your info?....sm
The dictionary I looked in said as an adjective it is stupider, stupidest. It did not say anything about more stupid or most stupid.
thanks for info.
nm
Thanks for the info...
I'll check it out...I just really hope it's nothing. I'm trying to stay positive. We would all be lost without her. She is young, just turned 47, and I want her to be there and to see my children grow up. I am just hoping and praying for the best.
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