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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 an attorneys office. I open it to find this attorney represents the bank that holds my mortgage and is looking to foreclose on our house. It states Read more

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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 at least I can hope) receive any more calls at work, at home, to the neighbors or disjointed family across the country giving me messages from creditors. Read more

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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 have let you down. So here is my update for you. Read more

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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 more demanding and honestly scaring my wife.

Neither of us ever wanted this to happen. We’re devastated by the fact that we’re about to go through this. We’re embarrassed Read more

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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 I’ve we’ve tried. Nor do I attribute this new crescent like feature on my face to the debt collectors no longer calling. As a matter of fact, it’s worse now since we didn’t pay our last payment to the consumer credit counseling service.

Read more

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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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