Years ago I took bankruptcy and then
Posted By: Tater on 2007-05-22
In Reply to: Thanks . . . for your support - maam1
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.
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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.
What is sadder is the grandparents live in a small home, 3 bedroom, and filed bankruptcy 2 years ago
nm
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. 
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
My husband is 7.5 years younger. Been together almost 20 happy years...nm
nm
My feelings; people shacking up together for years and years
and then all of a sudden deciding to get married don't need a thing, obviously. A shower should not even be given. I lived with my now husband a while (nowadays who doesn't!) before we married and I also had been married before years ago but he was not....so of course HIS mom wanted a shower. I told her absolutely not unless it was just the immediate family, his mom, sisters, etc, more like a celebration/get together. And so that's what we did. Showers are tacky, period. Unless it's a couple of young kids getting married straight out of the house and that doesn't happen much anymore.
Been with a man 13 years older, now with a man 4 years younger.
Younger is better, at least in my case ;)
Sorry, meant 75 cents. Still, that was years and years ago.
xx
I studied to be a scopist years and years ago
Back in the early 1990s I took a course called Note reader Scopist. They read court reporter notes (those long skinny papers that looks like a cash receipt) and types them into documents. I had found the course through something called At Home Professions but just didn't finish it because it was too expensive for me. But I am familiar with them and even found my book from the first course I took. Looking back I think it would have been a blast if I had kept up with it.
It is definitely legitimate. A lot has changed since the early 90s, so I'm not too familiar with the industry now. I do remember what was really weird was it didn't take a lot for me to learn it. For instance I could look at a line of court notes and see something that looked like: NV p srn - and I seemed to know exactly what it said. Just weird. My DH used to say that I understood it because I was an alien and my ship crashed in Roswell. HA HA HA Anyway...that's what I know about it. But if you Google note reader scopist or at home professions i'm sure you could probably find a lot of info.
I have been vegetarian on/off for 35 years, was vegan for about 5 years sm
not that hard. Right now, I am having so many issues with food allergies and celiac disease, having to give up nightshade veggies...nothing left to eat. I am eating some meat now, but not when the gastroparesis sets in!
Being vegan is not hard...unless you are a celiac. This is how I figured out the celiac part because so many of the meat analogs and vegan packaged foods use gluten for the protein and I got really sick from it. I gave up all the premade things and the whole grains with gluten and I was fine.
There is vegan and then there is VE-GAN. By definition, vegans don't wear, use or consume anything that is derived of animals...no leather shoes, most shampoos and toothpastes are off the list, as are deodorants. No wool or silk. Anything with soap usually has animal byproducts. It is very involved and rather difficult to do.
Giving up meat, eggs and dairy is no big deal, except for cheese. You hear that ad about "comfort proteins" in a baby formula and there is such a thing. Mother's milk, be it human, cow, goat, whatever...contains a chemical that triggers the release of endorphins in the brain so that feeding feels good in more ways than one. The purpose of this is ensure that the nursed young want to nurse and thrive. Human milk has a lot of these, so does cow's milk and cow juice triggers the same reaction in the adult human brain. Cheese is concentrated milk and therefore these chemicals are also concentrated. As a result, cheese is an addictive substance. This is the hardest thing to give up when going vegan. Vegan cheese substitutes are nasty and they don't melt. If a dairy-free cheese melts, it contains casein, an animal protein and not vegan.
I studied this years and years and years ago
Most definitely is legitimate. In the late 1980s I studied to be a note reader scopist through a group called At Home Professions. I loved it, but unfortunately could not continue due to no funds. It was reading the court reporters notes which looked like a grocery receipt with a bunch of letters scattered on it. The weird thing was I found it extremely easy. For instance I would see a line that looked like: av e cr, and for some reason I would know what it said. My DH told me that's because I'm an alien and my ship landed in Roswell. HA HA. Well I know that a lot has changed, after all it's been over 20 years since I took the first course and know a lot of it is computerized now, but it is most definitely legitimate and I've heard people like to do it. I think I remember one of the courses was in medical terminology and another course was in legal terminology. Should be able to find a lot of it on google, or maybe go to your local college if they offer it and talk to an instructor.
This has happened for years and years, where have you been?
Frank Sinatra, Elvis, the Beatles, and on and on. This person is acting very normal like the age she is. You would have to have been under a rock to think differently, like this was an abnormal behavior....
Lost my mom 23 years ago and dad 18 years ago.
My son was not even 1 when my mom died....she was only 50. My dad died at age 59. So even though I feel your pain....I would have been very grateful to have them into their 80's. I guess we take what we get and be thankful. Sometimes it is hard though.
I was married for 13 years and 2 years
after my divorce I met the most incredible man. He was also divorced, we both have 2 kids, and though we are not married, we have been together for 9 years. They are still out there, you may have to go through a few marginal ones before you find him, but they are out there and available.
Was your kid almost THREE years old?
tt
I am and have been for 3-1/2 years....sm
feel free to e-mail me any questions you may have and I'll answer the best I can. For me, foster parenting has been a very rewarding experience.
this years
x
I had it done 5 years ago.
The good: Surgery went well. Lost from 420 pounds down to 175.
The bad: Became depressed, lost my hair, damaged a kidney, and eventually gained the weight back. Weight 350 pounds now.
If you can't change your habits now, you probably won't change it then either.
Only 5% of those who lose weight (even with surgery) keep it off.
DH had one about 5 years ago....
It was a breeze for him, and only a $10 copay! He tried to be macho though and lift something pretty heavy 2 days later, ended up home for about 4 days and pretty sore! All in all everything has been A-OK, he has never had a problem. Didn't slow him down any either, he is still quite the man, if you know what I mean! LOL! Good luck, hope it works out for you.
We do...even after 21 years.
About 17 years ago,
I had an ex-boyfriend that owed them money. Don't know if he was buying it or selling it, and never had heard of them before that, or since then.
WW as of 2 years
I did WW 2 years ago. They have 2 plans, the core and flex. I did the flex. It is a point system. Basically you eat anything you want. You keep a diary of what you eat and add up the points at the end of the day. The points was based on the number of calories, amount of fat and fiber I think too. I don't know anything about the core plan. I did loose weight the 3 weeks I was there. I went from 196 to 189. I quit when I got pregnant and never went back. I would love to go back but I don't think I would get much out of a meeting anymore. I have a 5 year old that gets bored and a 16 month-old that won't sit still. I think the cost back then was $11 a week.
Had it when I was 11 years old. sm
I really cannot remember how long I had it before I was diagnosed, seemed to last a looong time though. Mine started out with one lesion on my torso, which itched but would feel like someone was stabbing me if I touched it... even if my SHIRT touched it! All of the lesions were very painful, but I remember that one most because it got infected. Turned a grayish green and oozed. I still have a large scar from it. Hope you feel better soon. It is very painful.
I took it for about 10 years.
I just changed to Effexor. Ten mg is an extremely low dose. To keep migraines and neck/shoulder tightness under control I needed 20. But 50 mg, even though that's still a pretty low dose, could cause daytime drowsiness for me. Other people might take 100 mg, I believe. And at 50 mg there was a little weight gain, also. If you still have trouble, you might try melatonin also. I hope you're feeling better soon.
I don't think 8 years is all that much, I think it would be a lot of fun!
x
My SIL had it done about 1 1/2 years ago; had no ...
real problems; lost about 125 pounds. I also know a guy who had it about 2 years ago and has lost about 175 pounds. He really has not had problems either. You really have to research the doctor, though, and a lot of people have had problems with it.
BF for 6 years
Also does not make me a crazed lunatic, either - as many of you have alluded to - you would be very surprised if you met me on the street - I look just as normal as any of you - only probably slimmer and with larger natural breasts - and remember large areolas (LOL)
Yes you can. I have done it for 20+ years, my mom
did it for 40+ years. I usually use parchment paper now, but before I knew about it I always used wax paper. I have never had a problem with wax on cookies or cakes and there has been no taste difference. Even some of the pre-modern cooking shows used to tell you to use wax paper on the bottom of your ringed cake pan.
The Wonder Years
I remember them well! Great suggestions above. What a great mom, and what a great son! Enjoy it!
When it comes to digging a bit deeper in those pockets, that's your cue: time for son to get a job and start pitching in!
I had them when I was 45 years old.
I had the Invisaligns, though, and those were great. You could eat anything because you took them out while eating, then brushed your teeth and popped them back in.
They were more expensive than conventional braces, but not by that much...and LOTS less noticeable.
Thanks, but I already get those. Been going for 4 years now.
:-)
Ten years old nm
She turned 10 on 06/03
The cat is about 3 years old sm
and is considerably overweight. We are working wtih the vet on that. I don't know if he just can't or has ever even tried. Our other cat goes over the fence all the time.
9 YEARS?!!!
Wow, my dear, you are dedicated.
I went through this sort of thing with my husband about 3 years ago. He was over-reacting, taking everything out on us, constantly talking down to me and screaming at the kids over every single little thing. After being utterly miserable for at least a year while things went from bad to worse, I kicked him out.
Now, three years later, he is a completely different man. Losing his entire family (we moved 600 miles away within a week of me telling him to leave) really impacted him, and, honestly, he hit complete rock-bottom - drinking, flaking on the kids for visitation, just being an all-around mess. And, you know what? One day he woke up and decided he needed to make a change or kill himself. So he changed.
We got back together in November, and I'm currently 6 months pregnant with our third child. There are times when he does slip back into old behavior patterns, but he recognizes it and stops and apologizes. They need to realize that it IS just a trained reaction, and it is possible to retrain your reactions, but he HAS to want it. Are you willing to wait for him to make that decision on his own? Can your mental health and/or your children's mental health handle it?
I know people are too quick to jump into divorce nowadays, but you have to ask yourself if staying is ultimately more harmful to both you and your kids - think about the role model you're being. I didn't want my kids growing up to think it's okay to walk all over their families because they've had a bad day, so I took action. I loved him desperately, so it was probably the hardest thing I'd ever done, but, in the long run, everything worked out like it should. 
I was 13 years old
and playing Monopoly with my best friend when her mother came into the room sobbing and told us that Elvis was dead. Of course, being insensitive 13 year olds, we thought it was funny she was so upset and just laughed at her.
over the years
Just as clothing sizes have changed, so have shoe sizes over the past years. What was once a size 5 it is now a size 7 - and so on - the what was once a size 14 dress is now near the size of a 10.
She is not even 2 years old
She will grow out of it. Forget trying to reason with her, she is still a baby. I used to keep my kids strapped in a stroller or inside the cart when I went shopping. They are kids, there are no easy solutions, you just get through it.
Also, I agree with poster below about the police comment. Why would you ever want your child to fear the police? Your child is already reluctant to be away from you and now you have exacerbated that fear with the threat of the police taking her away. You might want to rethink that one.
My mom had it many years ago. sm
It was very localized and they gave her a radium implant. That was difficult because she had to remain perfectly still for 24 hours. But it completely got rid of the cancer and she lived for more than 20 years after that (she passed away in 1999).
So it is curable, depending on what kind you have. Of all the cancers of the female reproductive system, cervical is probably the easiest to cure.
Hang in there and good luck!
I took it for about 15 years.
It is an inexpensive older medication. You could take it earlier in the evening, definitely. I never had much trouble sleeping at night while taking it, but it certainly contribute to daytime drowsiness. When you say "low dose," do you mean 10-20 mg? If he has you on 50 mg or more, it's definitely going to kick your butt, though 100 mg is not unusual when it's being used for depression. For pain, 10 or 20 might be enough. But when I got off it, the weight I gained while taking it started coming off quite nicely. It is also constipating.
I'm now on Cymbalta. It is a much more modern medication that is not sedating and is excellent for pain control. Naturally it's much more expensive though. But for me there is a little constipation. That was the one good thing about being off all meds, but I couldn't get by, unfortunately.
Years ago no way out, now
it makes absolutely no sense to kill your spouse, none when you have all the helpp you can muster to get out of a bad situation. Having said that, I do not believe the wife's story for 1 minute, never did. Shot her husband in the back while he slept.
I had it for 7 years - have a lot to say about it (sm)
I can't really give you all the info I would like to right now. I would say first to seeif you can get another opinion and ask the doctor if he/she will consider trying Zovirax - the drug for herpes. I do not know why, but a doctor in Orlando, FL prescribed it to his patients with elevated EBV and it really helped. Back then I was too embarassed to go and ask for more help. My husband got well and I did not. I felt like I was being a wimp or something. But the Zovirax helped tremendously when I was on it. Also make sure she gets LOTS of deep sleep, no matter what you have to do. Ask for sleep medicine if she is not getting deep sleep. She needs to get really good sleep for her body to recover. If you would like to talk more about this you can e-mail me and I will be happy to tell you more things that helped me. Do take it seriously - it can linger on and on and progress to be much worse! Also look up HHV-6 virus.
have had for years, nothing new for me
but was reading where Oprah has a, get this, debilitating thyroid problem and should have operation to remove. I now take Armour as Synthroid I think played part in hair loss. I am well aware of the things going along with it but was a little confused when I read she should have surgery to remove??? The medication has done absolutely nothing for me - I have heard others who gained but immediately upon the thyroid medication lost- oh to be so lucky, no depression, take vitamin for fatigue and works about as well as anything. Have had problem since the 80s.
Had it done about 3 years ago.
Knew at the time that I would still have periods secondary to having a very large uterus, periods much lighter though. Doc recommended either hyst or ablation, but could not take the time off for the hyst, so tried the ablation. As far as the procedure, it was relatively easy, some pain/cramps that afternoon/evening, took a couple of Vicodin and went to bed. Back to work typing the next day at 5:00 a.m. Worked at OB/GYN and do know some women that have stopped periods completely, so maybe you'll be one of the lucky ones.
If he has been doing this for years then ...
she has allowed him to do it. But is this a reason to "get out" -- think about this before you jump. Go to counseling, etc. But you have allowed him to do this for "years" and so he just continues to do it. But get some help and talk to someone so if you do "get out" you have had counseling on how to proceed with that. I do not think it is right but again, you have to get some help before you suddenly "get out." You need to reallyp pursue every avenue possible especially with children. I am much happier out of my marriage but again I pursued every avenue before taking that step. Again, it is a habit with him as you have allowed him to do this. The first time that you do not go on one of these "planned trips" with him or plan something for the both of you -- I am sure he will get the message. My two cents worth.
He is 33 years old
He never said it while being "brought up." He said it after he had to work like a dog after her husband died and she expected him to maintain her home, yard, etc. He was an adult, never disrespected her then. I think given the circumstances, he has every right now to say what he thinks. She was an evil person. Not all grandmas are sweet. I totally resent the "lack of upbringing" comment. I happened to be a stay at home mom by choice, did all activities with and for my children and do not reget it for a moment. Nothing makes me happier than to hear someone complement either of my sons on their manners, professionalism, etc. Why are you so rude?
This was several years ago, in the 80s
My mother and her husband came from out of town and brought all the fixings with them. I ran to the store to get something and the car broke down- now mind you I could have walked back home and would have if I had known how furious my mother had become. She had my children, around 10 and 15 there with her and I think she thought I went to meet a guy I was dating. Not so but she was ticked and left as soon as I got back home, just ruined the day. Had I known how angry she would be, I would have walked the 15 blocks or so back home.
When I was 16, about 15 years ago
My curfew on school nights was 10. Weekends, it was 12. I did work, however, on school nights and weekends at McD's. Working or not, I had to tell my mom where I was going, who with, and when I would be home. I didn't have a car until after high school, so that did make it easier to keep track of me, I guess.
Personally, if I wasn't in bed by 11 pm on school nights, my butt was dragging the next day. I think for your daughter's academic sake, 10 pm is late enough to be out on a school night. You might want to reconsider the weekend 11 curfew or at least lighten up when needed (for late movies, dances after the football games, etc.) Otherwise, I think you're pretty reasonable (but she probably doesn't). 
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