File for bankruptcy protection if you have equity in your home
Posted By: See BK atty ASAP on 2006-11-14
In Reply to: Mortgage foreclosure. - Typingfool
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- File for bankruptcy protection if you have equity in your home - See BK atty ASAP
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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.
Have you considered a home equity loan to
pay off all your credit cards?
What is sadder is the grandparents live in a small home, 3 bedroom, and filed bankruptcy 2 years ago
nm
1/2 the equity is not enough
He is just afraid of you getting more at this point. If you got a good attorney, not only would you get 1/2 the equity, but alimony and child support. I know it is hard, but do not let him bamboozel you again. He sounds very selfish. Marriage is a 50/50 undertaking you are not his possession or his servant. Above all know that it is not you, but him that has the problem. Do not fall into the trap of feeling that you are the one to blame for any of this. Prayers that this all works out for you
Take your share of the equity and go (sm)
Not trying to be harsh here, but if you want to lose weight and become better organized, that's for YOU to decide. I have struggled with my weight always, now am the highest weight I ever have been. I am not an organized person, never have been, never will be. Luckily, DH doesn't seem to mind any of this. If I had to struggle constantly to try to be something I wasn't, I'd be a basket case. It's not worth the effort. You decide how to want to be, NOT him. Good luck.
I'd tell him to take half the equity and get out - sm
not you. I am in a similar situation. I have gained about 70 pounds since we married, and 2 kids later. I never kept a great house but I was very organized; but several things have happened over the past 3 years and I have become less organized and I think mildly depressed as well. He used to nag me constantly about my weight but has finally backed off as I think he just stopped caring. I resent(ed) his constant harping about my weight and I think gained more in response; I was 30 pounds less 3 years ago. Even the kids know something is not right though we do things together as a family my DH screws it up somehow and the kids end up in tears half the time or I get upset over some mean thing he said. My younger one has said she wants to live with him if we ever divorce, how sad is that (he is more lenient as he wants to be liked by the kids). His mom is a clean fanatic, they had to shower in the basement as she did not want them messing up the bathroom, before that they had to wipe dry and clean the shower/tub everytime they used it. When she is here she picks up and folds every loose thing, etc. Her home is spotless but she has no kids or animals; we have 2 dogs and a cat and 2 kids who can make a mess really fast. I take care of everything around here but the cooking plus work 3 jobs to boot, so that is one reason the house is not a Good Housekeeping showplace, the other is I hate cleaning.
I would not change for your husband though. I am however going to try and lose this weight, though not for him. I get out of breath very easy now and I want my health to stay good. I am curious to see what reaction I get from him when I do, I suspect he won't like in in the long run, especially if I can pull it off and look darn good in the process. I am also considering getting a cleaning person to come in once a week and clean, but I will tackle that in the Fall. I did get one of those robot vacuums but have not tried it as yet. I also am thinking about seeing a divorce lawyer just to see what my options are in case he pushes me to my limit. He has threatened me with divorce but I doubt he will do it but in case he does go and spring that on me I want to know what I can expect. I think for money reasons alone would not do it as I would fight for half the house equity though it is not in my name we bought it after we were married and have lived in it for 9 years together; half of some property we own (my name is on that deed) and half his 401K from the point we married to present. So he would owe me a tidy sum, I estimate about $185K; so basically he'd have to pay off the house and give it to me as a divorce settlement + child support for 2 kids. He would be pretty cash poor for quite a while but could build a house on the property which would kill him as he wanted to have no house payments by 50 (he is 48)-- I'd want full custody of the kids but I am afraid of some financial issues that would prevent me from being awarded them; so that is why I want to see a divorce lawyer before he does (he has threatened that 2 x, but as he is a big talker I kind of ignore it, but I need to stop being naive about it just in case he does follow through for a change). You need to do the same thing, contact a lawyer and find out exactly where you stand, you have nothing to lose by doing this. I plan to do this as well, once the kids are back in school as I cannot very well drag them with me and have them come home and say, mom went to a divorce lawyer today, yeah, that would go over well.
But your husband and mine sound very alike. I know my kids love me despite my youngest saying she'd rather be with daddy, though after our disaster outing yesterday I doubt she feels that way. She says I work too much which is true but I use it as an escape too which is not good. I had a lot more time off last summer but took on some extra work lately and it has been very busy this summer. I have promised her to start taking off every other weekend so we can do more together so that should help some for us and for me mentally as well. Good luck.
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.
Bankruptcy in FL - any info?....sm
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. 
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.
Overdraft Protection
I'm sorry to hear about your money troubles. That's happened to us before. The lifesaver for us is the overdraft that we have for our account. Of course you have to pay off the overdraft, but we never have to worry about bouncing checks.
My antivirus protection is about to run out. Anybody got
any suggestions as to which are the best. I have Norton antivirus now. 
I have inside and out protection....
3 cats are inside and 1 is outside (neighbors) Never a mouse or rat problem here.
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
FIREWALL/VIRUS PROTECTION
I am going to check out this AVG; First I used Norton, then Norton changed and screwed up my computer (years ago) and then I used McAfee which worked well. Then McAfee changed and I got viruses. Then I got some Vaio computers with Norton. Norton was good. Then, Norton was terrible and five viruses later I changed to the one that comes with my internet service and is free which found 11 viruses and Spyware stuff that Norton could not "see". Then that failed and I got some viruses and now I finally got the unintall program for the free one (which took a week to get for some reason) and I am shopping too. What I want is one that works all the time, easy to use, and especially one that has English speaking 24/7/365 help available without 50- 100.00 dollar fees just to ask a question about the software for which I have already paid good money that is not functioning! This AVG, does it have English speaking persons? Do they help you for free or a small fee?
Sentinel. Heartworm and flea protection in one pill. nm
x
Beware of overdraft protection on debit card though
My son moved into his own place, actually sharing a house with a friend. He got his first checking account and was actually doing well with it. He actually didn't get any checks and just used his debit card. He and his roommate decided to get cable. Evidently my son signed up for it to be automatically deducted from his checking account, which he says he did not know. That was his responsibility and his mistake obviously. He should have known when they were going to ping his account. Unfortunately, he did not. They deducted for his cable bill, and then he thought he had more in his checking account and used his check card about 12 times in a 2 day time period.. like, for 1 soda for $1.49, or $5.00 of gas. All of these charges were allowed and were put through but then were charged a $30 fee for each. Finally on the third day, the card was declined and that same day he received the notice of overdrafts in the mail. Supposedly this is a service the bank offers, which I don't understand, in that they will process your debit like an overdraft and put it through, but then charge you. I totally understand how that is a good thing for checks, as you avoid getting the check charges and bounced checks through the merchants, but when you are using a debit card, shouldn't it just decline it if you don't have enough money in there? It would have tipped him off right away that there was a problem with his account, instead of racking up over $300 in overdraft fees. We've contacted the bank several times, but they will not budge saying that this is "service" they provide and it was explained in the paperwork he received when he opened his account.
Order of protection, change locks and be prepared
x
Cancel the ID theft protection on your credit cards.
If you didn’t pay for it, you’re not liable for it.
Because you can't file again for a while.
It has nothing to do with creditworthiness. It has to do with you not having a place to run and hide! lol
Did you file it yourself . . .
or have a company do it? If you had a company do it and had the fee taken from your refund instead of paying for it personally, then you will receive a mailed check. Check the schedule for mailed check.
No did not file myself, and yes, have
checked the IRS site -- should have been in the first batch to go out....so just wondered if i should worry. thanks.
When you file your taxes
NM
Well, because the company that has me on file is local, all I can do is sm
forward you to this legitimate website http://www.volition.com/mysteryUSA1.html
You will have to do a lot of legwork and contact the BBB, but it's worth it. Some are national, some are local. I am in south GA. So unless you are local, I can only forward you to this website. Good luck!
I'd count him out, and file the winnings.
As they say: you snooze, you lose. Boy, what a bunch of characters there though. LOL
Did the parents file or did the daughter?
I thought I had read that it was the daughter/Octuplet mom who had filed for bankruptcy.
it took a while, not file, work on the brain-nm
xx
what does your brother file yearly to the IRS?...nm
nm
file garnishment on bank account
so it hits his account the same day he deposits pay checks (usually Friday).
The fact you did not file for divorce after your husband sent the
message board posts to his mom is shocking to me. The moment my husband took his mom over me would be his final moment in this relationship. All I have to say.
Can someone PLEASE HELP me find a deleted file in Word??? sm
Accidentally deleted file. This was a file I was not currently working on. Spent 1.5 hours transcribing Friday then deleted it this morning!!! How sssstupid! Can I possibly get it back???
We are in the same boat. First and foremost, file your taxes.
The penalties are huge if you file late. Once you file, it will take about a month, and they will send you a bill. We were able to get a 4-month extension, i.e., extending the due date of the balance. We only had to pay interest and some penalties for paying late - again a fraction of what it costs to file late. That did not cost anything. The next option was setting up a payment plan, and I think that cost $125 to set up plus the interest and penalties for paying late.
They really are not bad to work with, especially this year. I read an article where they have been instructed to work with people, especially in light of the bailouts for large companies. They are very respectful, much better than any creditor I have ever worked with, and as long as you are working with them, I think you'll be just fine.
need help giving a cote for an MP3 file that is 10 MB long. SM
So if I charge 15 cents per 65 character line, how would I go about giving a cost estimate for an MP3 file that is about 10 MB long? Anyone?? Thanks.
Jon and Kate file divorce papers
Story link below.
File in small claims court locally
it's about $25 and that fee will be reimbursed you when you win your case. They will get the money from them - that is the only way I know to recoup your loss. You need to do it legally through the court system.
Check the file size... it might be a very small JPEG - sm
so that they'll download/upload faster, and won't overwhelm the website with huge files. To get a less-grainy photo, try asking your daughter to email you the full-size file so you can save it to your computer for printing. For the best print quality, you want lots of pixels.... for example something like 1200 x 1800... to show the best detail. Then use your photo-editing software to make it whatever size you want for printing.
When I save photo files to my PC, I usually know right away which ones I want to email (so I change them from large .bmp files to small .jpg files (around 75-200 pixels). If I'm going to be printing them, I just save them as large .bmp files. (When they're large they also come out better if you're going to Photoshop them.... clean up backgrounds, crop, etc.) If I want to email one of the .bmp files to someone later, I can always make it smaller and then copy it as a .jpg file for email purposes. (That way it doesn't take them half an hour to download one photo!)
Change your bank account on file with Vonage Right NOW!
nm
After the 2 weeks I have had with my buyer I would recommend you file a dispute as a not as describe
My seller took 35 days to finally mail, sent me invalid UPS tracking number, package was 6 books short and books were in deplorable condition and I filed a 'not received' too early cuz then he mailed and now I cannot file 'not as described' as you can only file one complaint per purchase.... so I'm screwed unless he agrees to accept return.... but thinking he will probably take my money, the books and run - only 25 feedback so new seller... I'm talking with Paypal now and may file with my credit card company next week - not quite sure I understand chargeback programyet
Buy a home of my own - not a palace, but more of a smallish home on a large piece of land. (nm)
.
Anyone move from a single family home to mobile home? sm
I own and live in a house in a midwest city in a bad neighborhood (wasn't that bad 11 years ago). I spent the day waiting for the plumber to come and jackhammer the foundation (slab house, no basement) to find a leaky pipe that is flooding my DD's bedroom. Last week, it was the electrician with quotes for costly repairs.
In the meantime, I've really been thinking about selling out and moving into a mobile home. Has anyone done this before? Is a mobile home in a decent park less of a hassle than a regular house? I'm so tired of cutting the grass and spending $$ to fix things and tired of old flooring and cabinets, etc., that are just too costly to replace. I'm single with no man to do these things for me and I can't afford a mortgage on a newer house in a good neighborhood. Some of the pictures I've seen of the mobile homes look really nice and modern on the inside.
Any advice and comments appreciated. Thanks!
Well I figure I can make my own hours & be home when the kids are home (sm)
I worked PT in an office for a while but spent most of my money on childcare in the summer. Full-time in an office was just a nightmare and I felt like I missed a whole year of my children's lives. I want to be in control of my schedule so that's why I'm looking into the cleaning thing. Never thought I would want to do that but live and learn! Some of the most intelligent people alive work as carpenters and similar things because they have learned what's really important in life. Whew....off my soapbox now :-) Good luck to you!
Daniel had a home, a very good home...
with someone in my family at one point.
She met her late husband at a club down the freeway from me. It's not a fancy place, like you say.
She does have a real brother though. That was the connection on our part.
I agree, though. It is sad that all this is coming out the way it is. I believe she was a good person...she just had a lot of problems, mainly drugs. What is really sad is that all of this is going to be seen by her daughter one day when she grows up.
Home Alone 1, A Christmas Story, Home for the Holidays, Chevy Chase's Christmas, sm
There "The Gift of the Magi," He sells his gold watch to buy her a comb for her hair and she sells her beautiful long hair to buy him a chain for his gold watch. It used to be on "Short Stories by O'Henry" but that's long gone, long ago. Good moral to the story. I can't stand "It's a Wonderful Life" -- too depressing, especially with banks closing, too intimidating right now!!!
Home sweet home.
x
Home, Home, On The Range SM
where the beer and the cantaloupe play . . . where seldom is heard . . . .
What happens at home stays at home. (nm)
:op
She is home, by that I mean she is 1 mile from her home.
I am the one that moved away. My brother lives there, but she requires 24-hour nursing care right now, and he is unable to provide that for her. My son is graduating high school this year and I plan to move back to take care of her, but I just can't until then. I did tell the adminstrator that they have 24 hours to figure this out, and then we will bring in the police. I have also threatened to go to the media, and this facility has a very excellent reputation and is run by the Brethren Church, so I would think they might not want bad publicity. It is a pretty small town and this is one of only a couple of care homes in the area.
It's Your Home
And I would keep the display just as it is. He had no right to come to your home and tell you to take it down.
Yes ~ I just got home...
They took it back with no problems and he even let me open the new one at the courtesy desk before I took it home. Looking back now, and don't ask me why I remember or even noticed, but you know how when they pass stuff over that little round magnet thing at the checkout to disable the security sensor inside, it kind of makes a little noise, kinda like a little "boing" sound? Well, when I did the exchange today, he passed the new ink over that circle and it made that noise and for some reason I remember the other one didn't make that noise when I bought it. Now, I know why.
Like I said, don't ask why I would remember something like that. My head is so full of useless stuff like that it's a wonder I can do my job!
Where is Home?
I'm not talking about where you live now, either. I'm missing my "home" today, and I'd like to know, where is "home" to you? Do you ever miss it? Will you be heading "home" for the holidays?
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