Comments on: There Will Be a Test… http://debtfreeorbust.com/130/there-will-be-a-test/ Tue, 05 Jul 2011 17:54:35 +0000 hourly 1 http://wordpress.org/?v=3.3.1 By: joubess http://debtfreeorbust.com/130/there-will-be-a-test/comment-page-1/#comment-212 joubess Wed, 09 Jul 2008 03:33:30 +0000 http://debtfreeorbust.com/?p=130#comment-212 Hi Counting Pennies, That's part of the reason I'm sharing so much detail. There are a lot things I didn't know until I started going through the process, and each state has different rules, so you need a good, but reasonably-priced local bankruptcy attorney to advise you. I hate it that there isn't a realistic way for me to pay everything back, but with all the tacked-on interest and fees from my debts being sold, I didn't actually borrow more than about half of what I currently owe. I am only keeping the debts that make sense for me to keep, mostly the ones to do with my primary residence. We have to live somewhere and the house payments are low enough to make it advantageous to keep the house payment. It's cheaper than rent. Thanks for stopping by, and I hope you'll come again soon, Sherri Hi Counting Pennies,

That’s part of the reason I’m sharing so much detail. There are a lot things I didn’t know until I started going through the process, and each state has different rules, so you need a good, but reasonably-priced local bankruptcy attorney to advise you.

I hate it that there isn’t a realistic way for me to pay everything back, but with all the tacked-on interest and fees from my debts being sold, I didn’t actually borrow more than about half of what I currently owe. I am only keeping the debts that make sense for me to keep, mostly the ones to do with my primary residence. We have to live somewhere and the house payments are low enough to make it advantageous to keep the house payment. It’s cheaper than rent.

Thanks for stopping by, and I hope you’ll come again soon,
Sherri

]]> By: CountingPennies http://debtfreeorbust.com/130/there-will-be-a-test/comment-page-1/#comment-211 CountingPennies Mon, 07 Jul 2008 20:37:04 +0000 http://debtfreeorbust.com/?p=130#comment-211 I don't know why I always had the idea that bankruptcy meant ALL your debts were wiped out. Back to zero. Thanks for sharing details about your particular case. I think it will help a lot to those out there who are considering this as an option but don't know exactly what to expect. I don’t know why I always had the idea that bankruptcy meant ALL your debts were wiped out. Back to zero. Thanks for sharing details about your particular case. I think it will help a lot to those out there who are considering this as an option but don’t know exactly what to expect.

]]> By: joubess http://debtfreeorbust.com/130/there-will-be-a-test/comment-page-1/#comment-205 joubess Sat, 05 Jul 2008 01:38:28 +0000 http://debtfreeorbust.com/?p=130#comment-205 Arthur, I hadn't even considered the credit check a landlord might do. It's been so long since I've rented. A lot of things have changed about qualifying to rent now vs. 15 years ago. Between bad credit and animals, I wouldn't have a snowball's chance in hell of renting anything. Arthur,

I hadn’t even considered the credit check a landlord might do. It’s been so long since I’ve rented. A lot of things have changed about qualifying to rent now vs. 15 years ago.

Between bad credit and animals, I wouldn’t have a snowball’s chance in hell of renting anything.

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