ģ.30.18 - Met with my attorney again after spending 2 weeks gathering all the paperwork he needed. ģ.26.18 - Received my first late notice in the mail and my first phone call for late payment. Total Monthly payments will be $500, this also increased our monthly car insurance to $200 per month and I also bought an Extended Subaru warranty that will cost me $165 per month for 10 months interest free. Subaru Forester Black Edition with Eyesight Technology 2018. ģ.20.18 - Bought our new car under husband's name and credit.
Weird I know, but I'm used to having NONE and now there is something there. I'm also struggling with not spending the money in the Checking account unneccesarily. I will have to learn how to accept and deal with the guilt. So I feel good, but also feel guilty for not paying my cards.
We may also be able to pay off hubbys' Best Buy card before the end of the promotion period and we are hit with 100's in back interest. I've been able to pay any expenses out of my checking account because the money was there. However, it was amazing to see the amount of money we have when I don't have my cards to pay. I will miss some of my cards - the companies were good to me. I missed my first payments for my plan to file in July. Well I have officially begun my BK journey. I also need to remove hubby as authorized user from 4 cards just in case and change bank accounts. So on Friday I will pay the retainer, print out copies of cc statements, and not pay. He also said we should add a car payment under my husband's name as he's not filing, we were planning on getting one in the summer anyway and I can use that amount as outgoing money on my bankruptcy application. On the other side I will feel so much relief because I'll actually have money to pay for stuff instead of charging it all and struggling to make the payments. I've never missed a payment before and am struggling to reconcile with myself this concept. He said I could give him $100 retainer and when anyone calls to say I'm filing for bankruptcy, call my attorney and give his name and number. He said our best bet is to file in July since my child support stops then and i wont get any more checks from my job for 3 month's ( I dont get paid during the summer) That means 4 months of harassment from the card companies.
He said to stop payments on cards and don't use them anymore. According to my Credit Report I just pulled I owe 70K in Credit Card debt.ģ.09.18 - Met with the attorney. ģ.08.18 - I bit the bullet and decided to file for Chapter 7. I figured instead of posting a new post everytime something happens, I'll keep a running thread if that's okay.
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