Follow my bankruptcy

We met with our attorney for what will be the last time before the big date. This time it wasn’t in his office, it was in the conference room with a woman that worked for him, a huge stack of papers and two pens. This was it. When we’re done in here we’re only a […]

Can I keep my Car after bankruptcy?
Can I keep my house after bankruptcy?
It’s a simple question and one that everyone in this boat has on their mind. What can I keep after I file for Chapter 7 Bankruptcy. We declared that we wanted to keep our home and car. Because the declared value of our […]

As a follow up, I spoke the next day (Saturday) with the attorney and boy was this a mess. I was exactly 34 days late on my mortgage (the prior month and 4 days into the current month). The bank took that as I wanted to include the loan in my bankruptcy. After many frantic […]

So there is a change of events. I came home from work today in a fairly chipper mood. Someone at work gave me baseball tickets for this weekend and I’m one week away from getting my first paycheck at my new job. I’m greeted by a fairly thick envelope in the mail, that is from […]

We received the letters yesterday. Two letters arrived at our house, each addressed to either my wife or myself. Both are for the same time, place and judge at the New York State Bankruptcy court. It’s kind of a weird feeling to know that this time next month it will be over. I won’t (or […]

So we’re still alive and yes I have neglected the idea of posting to this blog. I initially thought it would be easy to share with you all of the experiences we were/are going through, but I’ll be honest Blogging is time consuming. My apologies to the people who signed up to my feeds, I […]

The calls to my job and home have increased. They’re getting cleverer on how they try to reach me. One company called the operator and asked them to walk to my desk and get me. All that got them was a no and it got me spoken to by my boss. The letters are becoming […]

Last night, my wife turned to me and mentioned she has noticed I’ve been calm and not so “cranky” (as she put it). I have to admit, I’ve even caught myself smiling over the last few weeks. It’s certainly not from the feeling of getting by and able to make my minimum payments. God knows […]

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 […]

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. […]