I have decided that I am going to take up the whole “cleaning up my credit” thing on my own. I am not going to consult our bankruptcy attorney or anything. I don’t think there is a need to. I have done a lot of research on cleaning up your credit after bankruptcy and I [...]
Last January, my husband and I were told our credit scores were in the 400’s–478 to be exact. 1 year later, how do we measure up? Well, not so bad. First off, let me say that after owing so much and losing pretty much everything–the last thing I want to do is apply for credit [...]
Continue reading about My credit score after filing bankruptcy
I hope everyone had a safe and happy New Years Eve. I welcomed in 2010 with open arms. 2009 did not start off so well since we were still in debt up to our eyeballs. It did not end so well either with the death of one of our closest family members. But you know [...]
Cover of Sicko (Special Edition)
This weekend here in South Fla is definitely going to be a wet one. I woke up to wind and rain and it is so dark outside that you would never know that it is 9:15 am. They say we may get a hurricane next week-great. It’s coming just when the [...]
Continue reading about Having No Medical Insurance Can Bankrupt You
I have decided I need to update here a little more and keep up with my financial blog reading every single day. There are many blogs I read that I have been visiting since even before I started this one. It is always interesting to see how people are coping with their debt problems and [...]
I saw a quick commercial today promoting help with credit card debt. This was not the average commercial about credit counseling, debt consolidation or debt settlement-this was being promoted by the big boys themselves: Bank of America, Capital One, Citi, Discover Card, and the payment giants Mastercard and Visa.
Once I seen their logos flash [...]
Continue reading about Helpwithmycredit.org-good or bad idea?
Last night, we were notified by management that one of our neighbors had an armed robbery during the night. We got the “we didn’t want to alarm you” letter. Yeah sure, my husband is working overnight and we girls are home alone-hmmm, why be alarmed?. So you know how much I slept last night! I [...]
Well guys-it is over! I no longer need to stalk my P.O. Box waiting for a piece of paper to let us know we are done-over-finished with this chapter in our lives! Our bankruptcy has been discharged! All the debt is gone with the exception of our car. I don’t think either of us have [...]
Continue reading about Our bankruptcy discharge papers came today!
This week was a good week! Before work on Thursday, we had a parent/teacher conference for my youngest daughter. It went very well. On top of her getting straight A’s the whole year, we were commended on her behavior. The teacher then asked us our secret for having such a wonderful [...]
Continue reading about Make your family top priority-not your debt
First of all, I want to say a Happy Mother’s Day to all the moms who read this! I am having a nice quiet day at home but want to take today to catch up on a few things I never seem to have enough time for-like update here and clear out my inbox! I [...]
I don’t really know what is going on but I think stress is getting the best of me. With the bankruptcy almost behind us and being caught up on all our bills, I should be jumping for joy. But I am not. A few months ago, I got a burst of energy and started a [...]
Continue reading about Debt, stress, weight gain=Unmotivation?
So much has changed since my last post. I don’t know where to start. I have been meaning to keep up with it all here but these past few weeks I have been, well um, going through a lot. A mixture of family stuff(hey-I am a mother of a teenage girl-need I say more?lol) and [...]
Continue reading about It feels great to have everything paid up!
I wanted to post a link here to an awesome site where I got a ton of information, including a means test calculator. I must say, it was “right on the money” with us. The first part is the “quick test”, it tells you where you stand as far as the median income. Usually when [...]
Continue reading about Using the Bankruptcy Means Test Calculator
Good morning y’all. I wish just one day that I could sleep in. That would require my dog sleeping in and well, she has gotta go before the sun rises. lol It’s OK, it gives me a start to a beautiful day off anyway.
I caught up on my blog reading this morning and I don’t [...]
Continue reading about Personal Bankruptcy-is it my bailout? Nope!
We just filed for Bankruptcy and had the 341 meeting of creditors today. On the way home from court, we stopped by our P.O. Box to pick up the mail. I just decided to open the mail up and could not believe what I saw. They are freakin’ credit card offers! One for me and [...]
Continue reading about A credit card offer already? You’re kidding me!
Well, the worse part is over! We went to the 341 meeting of creditors today. It pretty much was just like everyone described it would be. We waited and waited for the day to come and it was over in minutes.
My husband asked me yesterday if I was nervous and I said no. I really [...]
Continue reading about 341 Meeting of Creditors was today-so how did it go?
It’s been a week since I last posted? WOW, time flies. This week has really not been a good week. The cold weather is long gone but my neck pain is still there. My shoulder and my neck are hurting bad and the pain is not going away. My husband thinks it is from being [...]
I am happy to post that we get ZERO calls from creditors or collection agencies. The threatening letters also stopped immediately too. Just going to my P.O. Box to get the mail would leave my stomach in knots-now I don’t cringe at the thought of going there. It already feels like a huge weight has [...]
My neck has been killing me these last few days. It is not a “pop an aspirin” type pain-it hurts really bad. I am hoping it is just the cold weather and will go away. I say cold. It is in the 50’s here in Florida. I love it but I think it is making [...]
Now that some of our family members and friends know what we are going through and what we have done, they seem to open up a little more about their finances. Some of them have me stressed for their financial decisions! Sometimes I just say to myself-it is their lives: STAY OUT! I only give [...]
We went to the attorneys office on Thursday and signed the final paperwork and filed for bankruptcy. We did not see the attorney but worked with his assistant. We went over all the paperwork we submitted to make sure everything was correct. It was.
Seeing everything we owe in total on paper with interest and fees [...]
Work has been really slow for my husband lately-really slow. He finally had a talk with the owner of the main company he subcontracts for and asked him straight out how the workload was. He was told work should pick up but there are no guarantees. He was offered a little more money for the [...]
Doing taxes this year was no walk in the park-that’s for sure! This year, instead of getting back anything-we were going to owe almost $500! This is the first time ever we were going to owe! You know, we are so broke right now-this is NOT what we needed. But instead of flipping out, I [...]
After weeks of dodging every sickness that has been going on around here: cold, flu, pneumonia, infections and strep throat-my body finally let in and I have been sicker than I have been in a very long time. I have been sick for over a week but the fever is now gone and I am [...]
Continue reading about Sick with no health insurance-time for changes
