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
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
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!
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 [...]
The attorney emailed us our information regarding our court date. They call it the 341 meeting of creditors. It is March 24th. When I seen the date-I knew it looked familiar. March 24th was the date we bought our house that ended up being a short sale nightmare! So instead of closing on a house [...]
Continue reading about Our Notice of Bankruptcy hearing came today
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 [...]
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
Wow-2009 is quickly approaching. Remember when we were kids-time would seem to stand still? I was just thinking about those days. My kids are so eager to grow up and I always try to tell them not to rush it, but then I remember I was that way too at their age. If I only [...]
Continue reading about Finally got the money to pay the lawyer!
It has been another hectic week. My bosses went out of town again and everyone has started marking the calendars requesting time off for the holidays. Me, I did the opposite. I VOLUNTEERED to work any day that needed to be covered-including holidays. The only day I really don’t want to work [...]
Continue reading about When you stop dreaming-you stop living
