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In the eight years of marriage, this has certainly been a rough one on my wife and I. As I mentioned in the last post, we would have loved to have bought the kids all the toys they wanted. Fortunately, our families did buy the kids a lot of toys. Tomorrow is the last day of 2007. I/we have some big hurdles ahead of us, but I feel 2008 will be a new start for us.

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This Christmas was rough on my wife and I. Normally, we exchange presents with each other and shower the children with everything they asked Santa for. This year we cut out any presents for “us” and set a very small limit on what we spent on the kids. It was sad, I have to admit. I would give my life for these kids, but this year, we just couldn’t give them what we normally would. Our 5 year old noticed. The 2 year Read more

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Since yesterday, I’ve been going through my bank account and making line entries with any money I received. It’s becoming very granular now, like $70 from Google or things like that. The attorney asked that I present him with 6 months of income. That’s not the problem. It’s the side gig’s I mentioned that concern me. So in the six month span I can easily show one half of my yearly income plus an additional $7,046.33.

So does this put me a bad spot? What about the means test? Read more

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We met with the attorney last week and shared our current financial situation. My wife doesn’t work. She goes to school part time and takes care of our two children. I make a pretty decent salary, just shy of $73,000. On top of that, I have a few “side gigs” that I receive money from. Not a lot, ha… if it were, I wouldn’t be speaking to an attorney about this.

In total, we have $53,000 worth of credit card debt. One student loan for $10,000 and one automobile loan for $3,800 and monthly mortgage(s), totaling $3,600.  A few months back we went to a local Debt Reduction Services Read more

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3 days ago, my wife and I were sitting in the attorney’s office, for our initial consultation on bankruptcy. I ended the meeting/consultation with the question “Will this information show up on the internet?” Bankruptcy is public record, so there is a chance that you can show up in Google, Yahoo!, Ask, MSN, etc. So then what I am I doing blogging about it? Well, for starters I’ll go by the pen blog name of Average Joe. Hi, I’m Average Joe. I’m a 34 year old married male from New York
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