It is called Bankruptcy Protection for this reason
Posted By: Ch13 filer on 2006-11-17
In Reply to: What a blow. I have filed BK before, but sm - so sorry!
I'd make a personal appearance at the bank with a letter from your attorney if the money is desperately needed.
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File for bankruptcy protection if you have equity in your home
dd
The reason it is called a hysterectomy is sm
in Victorian days, doctors, of course were male. They thought women were hysterical, in the psycho sense. They freely did "hysterectomies", removing reproductive organs, and even a woman's clitoris, hoping it would calm them down. (probably make them more like men).
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.
What is sadder is the grandparents live in a small home, 3 bedroom, and filed bankruptcy 2 years ago
nm
Vet called before and after surgery, and assistant called this
this afternoon. I cant wait to see her. She has only been gone for 1 day and as one lady stated, the house is empty. Working from home, I have become quite attached to her and her to me. Thanks for all the well wishes and Boo Boo Kitty thanks you too !!
I have had several, unfortunately. Is there a reason they did
an ultrasound at 7 weeks and again at 10 weeks? Mine were later attributed to the genetics of my husband's connective tissue disorder, but we were unaware of his diagnosis during that time. However, I am curious as to why they would be following you so closely with ultrasounds at this point in your pregnancy. (((hugs)))
Reason
The reason I asked is because our 3 year-old neighbor girl walks around with hers all the time. Drives me nuts. Like you said, cannot understand them when they talk. I figure if potty trained can get rid of that too. Of course they like to brag about what a big girl she is now, but........
Ok, the reason why I ask, of course, is
the medication you possibly might have been taking but back to the drawing board. I took synthroid since the late 80s and my hairs, yes hairs, about 2 of them left was worrying the crap outta me. Read here and then other places Synthroid was known for causing the hair loss. By the way, it does not get better. Mine had gotten to the point of my wearing wigs and thinking about hair replacement but since overall, hair replacement not an ideal plan for me. I went to endo physician, told him not taking the medicine any more and asked for Armour. The hair is growing back and I am a happy girl. I at 1 time had the real lush hair so the falling out really did not get better until I changed the medicine. Oh, BTW, for the person whose hair comes out more after shampooing, mine did exactly the same, could run my hand through it and it came out in gobs. I feel your pain because I was there also.
No reason given so far...
I think she didn't think AJ could ever be a Tony...provide for her in the way Carm is provided for...just a guess. Love that show, absolutely the best writing and acting bar none! When that goes, so does my HBO, but I do like Big Love too!
the reason they
are taking it this far is because it is a drug-resistant form of TB.
I don't think they are quarantining each and every one of his clients are they? But yeah, if a person has TB and they are noncompliant with taking the medication they can actually be locked up for the period of time that they need to take the medication. Its a serious thing.
One reason might be that
girls are starting earlier, and the younger they are, the more likely mom's help will be treasured. What girl wants to be caught at school unprepared? Also, lines of communication need to be open because back when I was in school, there was no time allowed for bathroom breaks longer than about 30 seconds, so this can cause real management problems if you know what I mean.
This is something I would rather do without and the reason
first of all handing out money to people who do not even file taxes and handing out more money to stimulate the economy only is working against it. You don’t spend more when we are already in a recession. The people paying the most taxes are the ones getting the least out of this. Oh I love the way the gov works. If I get something plan on putting in the bank to draw interest to pay for the taxes I will be charged on it come 2009.
Reason behind my not asking
dont have to count on a job really anymore- doing now because want to- in the past raising family and such -only chump change needed now.
One reason would be
drugs like methamphetamine! Also, the easy times we had for so long are sort of bad for moral values. As a society we think we're entitled to have it all, whether we have worked for it or not. Even gluttony comes from this attitude, I believe. During hard times, sure there was crime driven by poverty, but it was a whole other country crime-wise. Men came back from the war with DRIVE to better themselves. They found wives and settled down to work and make something of themselves. They understood there was some luck involved too, and took it in stride. If they stumbled, they tried again. They had discipline. They expected nothing handed on a platter. That's why they are considered the Greatest Generation; hard times built character.
yes. I did. My son is the reason that...
I started doing transcription. I may not make quite as much as I used to, but I do not have to pay for daycare and I get to be home with my son, not to mention the gas money I save (especially when fuel was so high). I think that working outside of the home was easier than doing all of the housework, taking care of the baby (soon to be babies in a week, or so) and working. Even if I still had to do all of the housework, soimebody else watching my son would make my job that much easier. I choose, however, to stay home with him and work a little harder. What I do miss is daily adult interaction--especially with my husband in Iraq right now.
Yes for some reason or the other....sm
the girlfriend is out of the picture now. Maybe she saw his true colors.
The only reason I could see for not
letting someone work as a nurse or whatever with epilepsy is that they would have to wait a while if they had a seizure to make sure it had not become a chronic problem, just like not being able to drive for a certain length of time after a seizure.
no, that's not the reason.
nm
Right, and men usually marry for one reason
for someone to take over their mom's job :)
Maybe that is the reason for my neighbors
still having their lights on the house, and ON.
The reason they did the 2nd ultrasound was...sm
when I went for the monthly checkup yesterday they didn't hear the heartbeat on the external doppler; however, at my stage they told me before hand that they don't always hear it. They said that since I had the prior miscarriage that if I'd like they could do the ultrasound just so we could see the heartbeat and confirm all was still going well. The midwife I saw was just as surprised as my husband & I that the sonogram gave the results it did. We see the doctor this afternoon after the lab results come back from the blood work they drew yesterday. I am having some light spotting this morning. I'm trying to stay calm in case the sonogram was wrong but know that more than likely the baby did die.
The reason for the Pamelor is
hopefully to get a good nights sleep as the rheumatologist said so important because of my flare of fibromyalgia which has gone on for over a month now. No depression at all and not prescribed for this. I took the smaller dose last night, went to sleep around 11:30 and up with pain at 5 something this morning, so not getting the amount of rest I should. Hurting with the fibro has now put me into shingles. I want to know when the fun starts!!
I agree. The only reason she is on
is because of those x-rated pics of hers.
if there should only be 1 reason to abort
if you are pregnant by rape or incest, do you want to keep the child and explain to that child why he was born, do you not tell the child, and give up for adoption, when there are too many children waiting now, and most adopted children want to know/find their real parents, how does a child of rape/incest feel about themself, does anybody know, and they live their entire life knowing where they came from, and do you tell him who the waste-of-oxygen-and-taxpayers-money father is....
I have tuned it all out for a reason
I hate this happened to all those fine people. I told hubs yesterday the news channels should not be playing information about the killer, giving him credit and showing the ranting and raving of someone apparently totally out of control and that would be what the killer want. I had this "I told you so" morning when the news people said exactly what I had just said yesterday. I get so saturated with watching things like this and getting teary and sad, as in 9/11, Katrina and the like. I intentionally did not look except when the story first broke and then not long. My heart just breaks seeing stories like this and I am trying to keep my nose to the grindstone.
No. Never have been for some strange reason.
//
exactly! and the main reason why a certain--sm
someone does not want the war to end yet...too much money in it for him. blah!
I would think nonpayment would be the best reason to be
x
Thank you for a voice of reason
I think there are more than one or two of us in this predictament. Making the changes I'm trying to make right now is actually exacerbating the anxiety, but I know it's my only way out and in the long-run will alleviate the anxiety. My body and mind have been screaming at me for a year now, I can't live on Xanax to keep this job, I'm getting less and less effective and more apathetic. My spouse is supportive and has recently put his foot down on "no dinners at the computer" and "no vacations where I look at you hunched over a computer," and "tell them to take their vacation policy and stick it where the sun doesn't shine." I think I needed that nudge and am glad for the support, though I still feel someewhat guilty when I don't push myself to the limit.
Quietmoods, you're not alone.
If you would take into consideration this is for a reason
and it has to do with the viability of a fetus. Miscarriages have to do with the fact a baby cannot make it living outside the womb for 1 reason or another. It is nature's way of saying something not right here. I had a miscarriage, was not bothered in that I know the reasoning behind. It is very easy to get pregnant after a miscarriage, by the way. I did and then months later had a daughter. When a person dies even I accept with if it were not to be, wouldn’t be.
reason why I asked
I was wondering if you used one of the cat containment systems such as the one below.
http://www.catfence.com/ Would love to use it when I have my own place.
I lie to mine for the same reason
Everything is a big d*** deal. I've most of my life the past 23 years being a buffer between the kids and my husband, the bills and my husband, etc. It's sometimes gotten to me in big, big trouble. I mean, I do love him, but when I know he isn't going to be home, I actually look forward to it. I'm much more relaxed. I wish I didn't "have" to lie. I wish he didn't get so mad about every little thing from the basement smells to politics. I wish I could look forward to the evenings and weekends, but I just don't. It sounds like several of us are in the same boat.
I think the reason the gay community has been
'flaunting' their preferences is because they feel it's time they had the same rights as heterosexuals, and there are certainly plenty of those making out on the beach, as well. For centuries the religious right has persecuted them. If you look closely, most religions are the root cause behind prejudice, persecution, and violence towards certain groups of people that are of a different mindset.
I happen to have lots of gay friends, and some are 'flaming', so to speak, and others you would never guess that they're gay. But ALL of them are extremely well educated, make tons more money than I do as an MT, pay taxes, support their communities, and in several communities in particular in my area, have taken run-down neighborhoods and turned them into the most desirable real-estate in the area. Some have kids, some have pets, some are artists/performers, others are doctors or lawyers, and they're totally nice people and loyal friends. So if they want to get into a lip-lock in public and I happen to see it, it doesn't bother me at all. Love is love.
The reason OJ got his kids is
he was found INNOCENT by the jury. Mary was found GUILTY and served some time although I do not think enough.
Yeah, it's different, but for a reason (sm)
My husband is older than my mother. :) I think it took my MIL and FIL a while to accept the relationship. Unfortunately, FIL died 6 weeks after we were married. My MIL is 67 and I am 28, but I have much more in common with her than my own mother. She just started going back to college after not finishing high school years earlier (she started having kids at 15 and got a GED instead). When her husband died, she quit smoking nearly right away and really blossomed. I find her totally inspirational.
My husband's brothers and sisters have accepted me. My husband's grown sons have accepted me as well. I think it was weird for everyone at first, wondering what this young chick was doing with the old dude. Everyone got used to it.
So yes, I have been accepted. His family loves our little kids. My oldest child (from my first marriage) has been warmly accepted by everyone as well.
wonder if there is a medical reason?
might ought to know the reason before the remedy.
When they ask, tell them the truth. There is a reason they are asking. nm
x
All the more reason why you should leave.
Do you have any friends or family that you can stay with, so you aren't alone? Not sure if it's him you are afraid of or the legal/financial stuff but maybe you would feel better if you talked to someone close to you about the situation.
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