I did Chapter 7 a year ago and I do not regret my decision..sm

• Bankruptcy or not?? - Indebt
  • After divorce, child chronic illness, involuntary job change, parents illnesses and death, was force - anon
  • Talk to an attorney. The bankruptcy laws have changed considerably in recent years and you need to s - nm
    • (continued) - you need to speak to a professional - sm
  • Declared 3 years ago - - Best thing I ever did! No Regrets!!
    • Thank you so much for your support - Indebt
      • I'm glad :-) - Me again
  • Bankruptcy - Jim'sdog
    • honor has nothing to do with it. - ladydi
    • I agree it is not honerable - Indebt
      • That would be 'honorable' - I think you meant.
    • Not honorable? - Sometimes its the ONLY option
  • Are you suing someone or is someone - Just me
    • Discover Card is suing me - Indebt
      • You DO definitely need legal counsel if being sued. - BK courts will get it straightened out. NM
  • Went BK a couple of years ago. It turned out - anon
  • Try debt counseling first - if that does not work - sm - nm
  • Do it as a LAST resort. Try to work with your creditors. - former loan officer
  • This is the new law. - See article inside
    • Follow up article inside on how the new law is going. - Article inside
    • Thank you for posting this article. Good information. - nm
  • Bankruptcy - Anon
  • BK laws have changed. Ch 13 (repay) protection - October 2005
  • I did. I never have regretted it. We filed 7, I beileve. All unsecured debt was wiped out. Kept my - nm
  • I did a couple of years ago - Last thing I thought I would do
    • I also tried debt settlement and I am now also being sued. - Indebt
  • I did Chapter 7 a year ago and I do not regret my decision..sm - anon
  • We did years ago. - I guess it depends what chapter you file. sm

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I did a Chapter 13 right before the new laws came into effect and though I could have qualifed for a Chapter 7 I feel better about myself paying something back to everyone.  A few things to look out for about credit counseling as I tried this prior to the bankruptcy.  This was due to an ugly divorce and my ex had a rich Mommy who paid his attorney bills and cost me 14K plus but I was able to keep the house.  (yes he had the new life and the girlfriend, I had the bills).   Anyway, credit counseling was going to cost between $75 to $300 for them to manage my money and pay my bills.  I did the lower one for a while but some of my creditors would NOT work with them.  Also remember if a credit card company decides to give you a discount if you pay the balance, the amount that they write off has to be declared as income.  Say you owe $7,000 to a company and they say if you pay us $5,000 -- then $2K of that is consider income to YOU at tax time.  I pay the courts $300 a month and for 36 months.  It was not easy but like I said I have my home, my business and have found that you can live without credit, save for a car or large purchase and save.   So to me that was the answer.  I can still hold me head up as they are getting something.   So talk to a good attorney and he will advise you.  The good thing about this is that you can't live off your credit cards and it does get you back to  budget and cash that hopefully after doing for 3 years you will just continue with it.  I was told once by a banker that the bankruptcy looks better on your credit report that late payments or credit counseling but who knows for sure.   Nowadays you might have to pay a few perentage points higher for a loan but you can get it if you want it. 

Take care good luck. 

I've checked the archives on this, and have received a lot of helpful information, but I'm interested in learning more.  How hard is it to qualify for this?  I'm sure I would qualify, but I would like things to start happening now...not 6 months down the road.  Are lawyer fees owed up front?  Who do I talk to about this? 

A little history...I worked full time for a local ortho office, and decided to work part time from home.  I had 2 small children, but my husband is home most evenings, so working a few hours a day wasn't a big deal.  Well, we unexpectedly got pregnant about a year ago, and we now have added expenses with the new baby, as well as the fact that I don't have as much free time to type.  I'm trying to sell our car right now, but so far there are no bites (it's an SUV, and with gas prices people aren't wanting to buy them anymore).  Anyway, I talked with a credit counseling agent a few weeks ago, and have made my first payment.  However, I am getting calls from creditors saying that I have payments overdue, and when I told them that we are going through a credit counseling agency, they said that they denied the proposal, and I have to make the payment. 

I'm at my wit's end, and literally don't know what to do.  We own a small (1100 sq. ft) 3 bedroom ranch, and would really like to keep it if possible.  I can't work full time with 3 kids, because all my money would just go to childcare. 

Any advice would really help me at this point!  Thanks!

The reason that I went Chapter 13 was because I was told that you could not include taxes in a Chapter 7 unless they were 7 to 10 years old.  Was told that child support, education loans and taxes were very hard to include (if not impossible) in a bankruptcy.  I had no trouble with them when I did my Chapter 13 but I only owed for one year, filed in February and owed for the year previously.  You need to get out your BK papers and see if the IRS was listed and included, talk with your attorney that is what you paid him for and go from there.  Good luck. 

Patti

From the coach's point of view, I can tell you he will most likely regret this decision.  As a coach, he has seen players quit their jr or sr year for various reasons (work, academics, girlfriends, etc.).  There has not been one that has not come back to him to say that they regret quitting.  Sometimes, you just have to make your children do things you know are good for them!

to tell you the truth, I have always rooted for the underdogs. 

My very best friend in the world once tied my hair in knots (before we were friends,) added some gum and dirt to the mix too.  This was back when I was in the 3rd grade. Her parents made her come and apologize and we have been very thick ever since. 

She didn't have many friends either.  She was kind of a bully and the kids were all basically scared of her.  I am proud to say that I could rely on her in a pinch going on 25 years now. 

On the advice of one of the posters, I will make sure that the pup is in the clear with animal control and the local police just to be safe.  I have a friend who volunteers at the local animal shelter where we adopted our puppy.  He teaches obedience classes for the dogs and caregiving for the owners.  All of this he does for free.  

Perhaps if all goes well with the neighbors, I will suggest to the dad that he and his daughter accompany us to some of these classes when we go.  Maybe she can learn to love the animals and they can help heal her a little too.

There I go again, rootin for the underdog. 

Will you be looking for another job any time soon?  Will you make more money as a CMT?  Will it make you feel good about yourself to have the certification?  Will you have time to study for the test?  Make a list of pros/cons and decide from there.

Personally, it's not worth it for me.  I don't want to support the AAMT because they're supposed to be for Americans, but they promote offshoring.  I have enough certifications and education papers kicking around that I don't need another one.  CMTs don't get paid any more at my employer.  I also don't want to drive 300 miles each way to take the test.  It's expensive, and you have to recertify every three years.

I prefer IC as well.  When you're an employee, they pay you less per line than as an IC.  You still pay taxes, federal, state, Medicare, Social Security as an employee.  However, the employer pays for Worker's Comp and matches the social security and Medicare only portion of your taxes, which I believe is only 7.65%.  That social security percentage is quite small when you consider the fact that self-employment taxes are only 15.6%.  I don't remember the exact percentages because it's been a while since I had to manually figure it all, but you can look it up on Google.

As an IC, I get to deduct every little thing I can think of.  I can deduct my home office, a portion of my utilities, a portion of my Internet and phone, any mileage, office supplies (and I love office supplies!), furniture, software, computers and other equipment, paper, reference materials, everything.

The issue is that when you are an employee, those taxes get taken right off the top so you don't even miss that money.  Most people don't set aside a percentage of their pay that should have gone to those taxes, so they grumble when they owe at tax time.  You actually get to see how much you're paying out in taxes.  However, they got to use their money all year instead of loaning it to the government interest free.  That's a perk.

I took 3 documents in Word and the program calculated the amount of characters with spaces and without spaces.  I divided the character counts by 65 to get a line count.  I then multiplied the line count with spaces by 8 cents per line and the one without spaces by 9 cents per line.  In all 3 cases, you are better off taking the job at the lower rate counting spaces. 

Example:  1 document 4339 characters without spaces, 5179 with spaces.  Divide each by 65 comes out to be 67 lines without spaces, 80 lines with spaces. 

65 lines x 9 cents = $6.03

80 lines x 8 cents = $6.40

The others came out with a discrepancy of 78 cents and $2.16. 

I did other size documents and none of them came out where you were getting a better deal by being paid the higher line rate with no spaces.

I hope this helps.

Hi,

It sounds like, despite all the problems, that you love him and want to remain a family, particularly for the sake of your son. 

Without disrespecting that, what I would suggest is that you tell your husband to either grow up already (and pull his weight around the house while he is at it) or please go ahead and divorce you and marry his mama. 

In the meantime, make sure that your name is not on his credit card bills, etc. and that you DO expect him to provide child support while he is absent from the family, the home, the marriage.  If he fails or refuses, take him to court--that should make him wake up and smell the coffee and grow up fast.  Otherwise, let mama figure out how to manage his payee check with that new expense. 

HTH. 

I think combining the measurement with the unit of measure is an editorial decision. I personally like it, for I think it is more clear, and you never have to worry about the measure and the unit being on different lines (with auto wrapping as in all word processors). I believe its origin stems from the scientific community.

You would never see 2 " for 2 inches, but it is 2". By the same token:

10mg, or 5cc or 1L seems more clear than:

10 mg, 5 cc or 1 L.

10mg qid. Seems very clear. It is just an editorial decision. No right, no wrong, just an attempt at greater/unmistable clarity.

Same editorial factors are working in writing 0.125mg and never .125mg without the 0. Leaving the 0 off can lead to misunderstanding: To the fast reader the . could be a fly speck, the the 0.125 is unmistakable. I think clarity ought to be the goal, and not strictly historical considerations.

vJoe

Can any of you that have been at this for a long period of time answer me this question?  When you first started out...did you feel overwhelmed?  How long does it take a person to really see if this is something they'll be good at?  I find myself getting headaches really easy and only after a few hours of typing.  I feel fatigued.  Is it normal to feel this way in the beginning and what suggestions do you have to help?  When do you feel that things are finally settling down and you start to move along at a normal pace? I'll give it a few months I guess...I'd think at that point I would have a pretty good idea if this is something I'm going to be productive at or not.

Sorry for all the questions.....I guess I am feeling uneasy and was hoping for some reassurance or words of wisdom from none other than another MT. 

I would like to know: are there jobs for MT's that you can work PT as in: log on, take the work you can do for the day, turn it in, and get paid for it? What I'm wanting to know is if PT work is available to work at your convenience or is it always told to you when and how much you need to work?

Thank you in advance for your response. I feel like I have read so much about MT's but can't seem to find this out!