Follow my bankruptcy

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 the rest »

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 the rest »

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
Read the rest »