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Author Topic: Wow. I think I'm finally screwed - Chpt. 13 anyone?
snapdragonfly
Happy Xmas (Warranty Is Over)


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There are some real downsides to bankruptcy. These may or may not be even worse than the alternative. It's all relative and depends entirely on the situation of the individual.

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"Wolves, dragons and vampires, man. Draw the nut-bars like big ol' nut-bar magnets." ~evilrabbit

(snurched because one of my nutbar family members is all about wolves and another one is all about dragons...)(with apologies to surfcitydogdad)

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BeachLife
The Bills of St. Mary's


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It does entirely depend upon the situation. I think what Errata has been trying to point out is that it is often surprisingly not so difficult to fix the situation without bankrupty. A strict budget and a part time job delivering pizzas could fix the problem entirely in less than two year.

And maybe delivering pizzas won't work, but unless someone is already working 60+ hours a week, or raising kids, chances are they can take a second job and make a huge impact on such a debt.

Beach...the two year outlook is a whole lot brighter than a bankruptcy...Life!

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Wisdom comes with age, but sometimes age comes alone.
Jack Dragon, On Being a Dragon
Confessions of a Dragon's scribe
Diary of my Heart Surgery

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Ryda Wong, EBfCo.
It Came Upon a Midnight Clearance


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quote:
Originally posted by BeachLife:
It does entirely depend upon the situation. I think what Errata has been trying to point out is that it is often surprisingly not so difficult to fix the situation without bankrupty. A strict budget and a part time job delivering pizzas could fix the problem entirely in less than two year.

And maybe delivering pizzas won't work, but unless someone is already working 60+ hours a week, or raising kids, chances are they can take a second job and make a huge impact on such a debt.

Sad thing is, I'm not working 60 hrs a week, but with the commute, I'm out of the house from 6:30-6:30 (or 7), depending. Hence another reason why I'm looking for a denver job.

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So many spankings! It feels so good! But at the same time, I don't care about meeting your family! - I'mNotDedalus:

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MaxKaladin
The First USA Noel


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I had a similar problem with credit cards. I got in over my head and tried to use credit counseling to get out. That was a mistake. They made a lot of promises they never delivered on. I ended up getting a personal loan to pay off my credit cards. That turned out to be much faster than the credit counseling plan. Not everyone can do that though.

I've heard of a simple but effective way to deal with credit card debt and I figure it can't hurt to repeat it. Basically, what you do is pay off your credit cards one at a time.

1. First, pick a single credit card. I've heard different schools of thought on which one it should be. One school says it should be the one with the highest interest and another says it should be the one with the lowest balance. Picking the lowest balance means you can finish paying off one card more quickly and open up some wiggle room in your budget. Picking the highest interest means you pay less interest over time. There may be other problems that effect this decision like being over the balance on a card or something.

2. Pay the absolute minimum payment you can for all your cards except the one you picked. For the one you picked, pay as much as you can. How much that is depends on your situation, obviously.

3. Do this every month until you've paid that card off completely.

4. Repeat until all of your cards are paid off. Once you've paid off one card, you should be able to make larger payments on the next card you've picked. That means you can pay that card off faster and you get a sort of cascade effect.

The drawback is that you need enough room in your budget to make a higher payment on the first card.

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Venus
I'll Be Home for After Christmas Sales


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Sell your blood. I'm not kidding. There is a place locally that was offering 200 dollars for a bag of plasma. Unfortunately they wouldn't accept me because i had been born in England. It's not something you can do very often, but it's still money you wouldn't have otherwise had.
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ThistleSoftware
Little Sales Drummer Boy


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I think TurquoiseGirl was talking about selling plasma twice a week.

ETA: It is also possible to sell hair, from what I understand, and I know women who have sold their used underwear online.

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Officially Heartless

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quiltsbypam
Happy Holly Days


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[/hijack]With the stories of the people you've helped, Ryda, we may need to rethink the "EBfCO" label. I don't believe it applies.[hijack]

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"No Biblical hell could ever be worse than the state of perpetual inconsequence." Beatrice in Dangerous Beauty

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Kev
We Three Blings


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quote:
Originally posted by Venus:
Sell your blood. I'm not kidding. There is a place locally that was offering 200 dollars for a bag of plasma. Unfortunately they wouldn't accept me because i had been born in England. It's not something you can do very often, but it's still money you wouldn't have otherwise had.

200? Are you sure about that? It's usually more like 20.

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Austin Stars Drum & Bugle Corps | Kev's MySpace

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doofusmongerbeep
I'll Be Home for After Christmas Sales


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quote:
Originally posted by Kev:
quote:
Originally posted by Venus:
Sell your blood. I'm not kidding. There is a place locally that was offering 200 dollars for a bag of plasma. Unfortunately they wouldn't accept me because i had been born in England. It's not something you can do very often, but it's still money you wouldn't have otherwise had.

200? Are you sure about that? It's usually more like 20.
Agreed. I donated plasma a couple of times and I got $20 each time. They'd also only let you donate twice a week.

ETA: for clarity

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Ryda Wong, EBfCo.
It Came Upon a Midnight Clearance


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quote:
Originally posted by ThistleSoftware:
I think TurquoiseGirl was talking about selling plasma twice a week.

ETA: It is also possible to sell hair, from what I understand, and I know women who have sold their used underwear online.

I don't have enough undies to spare, unless the want the ones the dog chews the crotch out of. Bad, bad puppy!

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So many spankings! It feels so good! But at the same time, I don't care about meeting your family! - I'mNotDedalus:

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Ryda Wong, EBfCo.
It Came Upon a Midnight Clearance


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quote:
Originally posted by quiltsbypam:
[/hijack]With the stories of the people you've helped, Ryda, we may need to rethink the "EBfCO" label. I don't believe it applies.[hijack]

Hell, yes, it does! Just 'cause I'm a nice person doesn't mean you can take my label away! I like being a mean, bad person [Razz]

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So many spankings! It feels so good! But at the same time, I don't care about meeting your family! - I'mNotDedalus:

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Buckleupp
Away in a Manager


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quote:
Originally posted by Ryda Wong, EBfCo.:
[QUOTE]I don't have enough undies to spare, unless the want the ones the dog chews the crotch out of.

Crotchless ones will sell for even more!!

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HA! That's so funny I forgot to laugh...excluding that first Ha. -Stewie Griffin

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Buckleupp
Away in a Manager


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EDIT - sorry for the double post. I'm still learning the ropes.

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HA! That's so funny I forgot to laugh...excluding that first Ha. -Stewie Griffin

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Rebochan the Retail Reindeer
Good King Wal-Mart


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Ryda, all I can offer is that I really hope this works out for you.

...I think I missed the thread, but does "EBfCO" stand for "Evil Bitch from Colorado?" I just want to her EBfCOness' title correct.

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"One original thought is worth a thousand mindless quotings." -- Diogenes

"Vote Republican! We won't burn you at the stake for your religious beliefs or slaughter your family and steal your land." -- Ramblin' Dave

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Ryda Wong, EBfCo.
It Came Upon a Midnight Clearance


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quote:
Originally posted by Rebochan the Retail Reindeer:
Ryda, all I can offer is that I really hope this works out for you.

...I think I missed the thread, but does "EBfCO" stand for "Evil Bitch from Colorado?" I just want to her EBfCOness' title correct.

It does indeed! Dubbed so by Signora herself. I can't even remember which thread it was, but I said something really, really callous (but honest) about my inclinations, and I just liked the title. It fits.

Ryda "Although I'm aiming to extend my grasp to the entire front range "EBftFR", then the mountain states "EBftMS", and then onward and outward" Wong

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So many spankings! It feels so good! But at the same time, I don't care about meeting your family! - I'mNotDedalus:

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Spamamander in a pear tree
We Wish You a Merry Giftmas


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quote:
Originally posted by Ryda Wong, EBfCo.:
I don't have enough undies to spare, unless the want the ones the dog chews the crotch out of. Bad, bad puppy!

Completely OT: I'm SO glad I'm not the only one with this problem. Aside from a couple thongs that are carefully hidden in my sock drawer, I don't think I own a whole pair of undies. I've more or less solved the problem by simply not wearing any except for a couple pairs of 'granny panties' for that special time of the month. [Razz]

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"There is a race between mankind and the universe. Mankind is trying to build bigger, better, faster, and more foolproof machines. The universe is trying to build bigger, better, and faster fools. So far the universe is winning." -Albert Einstein

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Rebochan the Retail Reindeer
Good King Wal-Mart


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I always have trouble with dogs going after bras in my home. They find them SO fun to fling around.

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"One original thought is worth a thousand mindless quotings." -- Diogenes

"Vote Republican! We won't burn you at the stake for your religious beliefs or slaughter your family and steal your land." -- Ramblin' Dave

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NeeCD
Happy Holly Days


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quote:
Originally posted by MaxKaladin:
I've heard of a simple but effective way to deal with credit card debt and I figure it can't hurt to repeat it. Basically, what you do is pay off your credit cards one at a time. ~snip~

I had several thousands spread over about 5 cards, and that's the method I've used, only I didn't realize it was actually a real method, it was just the only thing I could think of to do at the time. I'm down to two cards now, so it's working, slowly but surely. Unfortunately, that method only works if you can afford to put a little extra into the card to begin with. If you're already making minimum payments and struggling, it's probably not a good solution.

Part of my debt was due to helping an ex-bf, too - he was starting up a business and I wanted to be supportive. It's a better reason than some, but it still meant I was in debt and he wasn't in a good position to pay me back, so the end result was the same.

Sorry I don't really have any good advice to give, but Good Luck with everything, Ryda.

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I wondered why the Frisbee was getting bigger, then it hit me.
What does "Bookachow", "YOMANK!" and other lingo mean?

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Signora Del Drago
Angels Wii Have Heard on High


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quote:
Originally posted by Ryda Wong, EBfCo.:
quote:
Originally posted by Rebochan the Retail Reindeer:
Ryda, all I can offer is that I really hope this works out for you.

...I think I missed the thread, but does "EBfCO" stand for "Evil Bitch from Colorado?" I just want to her EBfCOness' title correct.

It does indeed! Dubbed so by Signora herself. I can't even remember which thread it was, but I said something really, really callous (but honest) about my inclinations, and I just liked the title. It fits.

Ryda "Although I'm aiming to extend my grasp to the entire front range "EBftFR", then the mountain states "EBftMS", and then onward and outward" Wong

I couldn't remember why I dubbed you EBfCo., so I did a search and found this. I know you got a kick out of it, but I just want to be sure everyone else knows it was all in good fun. [Big Grin] And it gave me a little "Oh, wow!" feeling when I saw that you had added that title to your snopes handle. [Smile]

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"This air we're breathing. Oxygen, isn't it?"~I’mNotDedalus, impersonating Vincent D’Onofrio.|"Sometimes trying to communicate can be like walking through a minefield."~wanderwoman
"Give people a break. It's not easy doing a life."~Joshua Halberstam

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Venus
I'll Be Home for After Christmas Sales


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quote:
Originally posted by doofusmongerbeep:
quote:
Originally posted by Kev:
quote:
Originally posted by Venus:
Sell your blood. I'm not kidding. There is a place locally that was offering 200 dollars for a bag of plasma. Unfortunately they wouldn't accept me because i had been born in England. It's not something you can do very often, but it's still money you wouldn't have otherwise had.

200? Are you sure about that? It's usually more like 20.
Agreed. I donated plasma a couple of times and I got $20 each time. They'd also only let you donate twice a week.

ETA: for clarity

It was definately a three figure offering price. That's why i looked into it in the first place, the amount was enough to cover my monthly student loan payment. But you could only do it once every 6 weeks.
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Troberg
Angels Wii Have Heard on High


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Other people have said most of what I was going to say, so I'll skip most of it.

What you need to do now is to buy yourself some time. Talk to the CC company, explain the situation and get them to agree to a plan. It might be easier if you can convince them that it's a temporary thing, people do occasionally stumble into temporary economical problems. Around here, they may even agree to completely suspend payments for a short period if you can show them that it will increase their chances of getting their money back in the slightly longer run.

Use that time to improve your economy, primarily by getting another job or a second job, by lowering expenses (do you really need a mobile phone as well as a fixed phone, buy cheaper food, look over you insurance (most people have overlapping insurances), reducing living costs and so on). If possible, call in some favours, preferably from the friends already in debt to you. These favours do not have to be cash, they could just as well be help with getting a job or some other way to improve your economy.

While "one-shot" income is useful, especially with such a comparatively low debt, focus on improving your long term economy (better job, lower expenses) on a more permanent basis. The CC company likes that, as it shows commitment and it also makes you a better future customer. You need to look reliable and trustworthy, so you'll be worth the risk they'll be taking on you.

Be very matter of factly when talking to them. Don't wriggle or appear shifty. Just do something like:

"Due to unforeseen events, my personal economy has taken a temporary hit, which makes it impossible to keep up with the current payment schedule. I have every intention to honour my debt, but I require some time to get my economy running again. I believe that this plan *present payment plan here* is what I can deliver at the moment, but within X months, through actions X, Y and Z I expect my situation to have improved to a point where regular payments can resume."

That proves that you take it seriously, that you know your economy, that you have a plan and that you are committed to that plan. That's what the CC company likes to hear, and that's what they can be prepared to bet on. In your case, the sum is not that big (for a credit card company), so I think something like this should be enough.

Does it show that I have helped people make such speaches before? [Smile]

quote:
I don't have enough undies to spare, unless the want the ones the dog chews the crotch out of. Bad, bad puppy!
The internet being what it is, I'm sure there's someone with exactly that fetish that is prepared to pay handsomely.

----

Most of all, remember that there is no shame in being in a debt that you can't repay immediately, at least not if it's the first time and you have an honest intention to do what you can to pay it back as soon as possible. At least not when it is such a small sum.

We are only human, and sometimes even the best laid plans go bad. Problems will always happen, that's not the important bit. What's important is how you handle them.

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/Troberg

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AnglsWeHvHrdOnHiRdr
Happy Xmas (Warranty Is Over)


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quote:
Originally posted by Venus:
quote:
Originally posted by doofusmongerbeep:
quote:
Originally posted by Kev:
quote:
Originally posted by Venus:
Sell your blood. I'm not kidding. There is a place locally that was offering 200 dollars for a bag of plasma. Unfortunately they wouldn't accept me because i had been born in England. It's not something you can do very often, but it's still money you wouldn't have otherwise had.

200? Are you sure about that? It's usually more like 20.
Agreed. I donated plasma a couple of times and I got $20 each time. They'd also only let you donate twice a week.

ETA: for clarity

It was definately a three figure offering price. That's why i looked into it in the first place, the amount was enough to cover my monthly student loan payment. But you could only do it once every 6 weeks.
If it's every six weeks, I would imagine it is a blood product other than plasma.

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"When a stupid man is doing something he is ashamed of, he always declares that it is his duty."--George Bernard Shaw

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Venus
I'll Be Home for After Christmas Sales


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Could very well be. It was three years ago so all i remember is that it was a three figure sum and the taking of blood was involved. What they pulled out of the blood i don't remember, i just assumed it was plasma.
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MaxKaladin
The First USA Noel


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quote:
Originally posted by NeeCD:
Unfortunately, that method only works if you can afford to put a little extra into the card to begin with. If you're already making minimum payments and struggling, it's probably not a good solution.

That's true, but if you get some extra money by taking a second job or selling plasma or something like that, you may still be able to swing it.
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ange84
We Wish You a Merry Giftmas


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I thought i would have to file for bankruptcy at 17 due to the person i went to for help with my tax return making a mistake and it coming back as a $7000 bill. Luckily we fixed it( it was only supposed to be a $70 bill)It's not a nice thoughtn though. I can't really offer any advice other than what others have given already, although i do know where you can get truck driving jobs that pay $100 000 a year [Smile]

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Love is a sudden revelation: a kiss is always a discovery

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eif
Jingle Bell Hock


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quote:
Originally posted by Venus:
Could very well be. It was three years ago so all i remember is that it was a three figure sum and the taking of blood was involved. What they pulled out of the blood i don't remember, i just assumed it was plasma.

When I was in college back in the 80's, a company dealing with blood products like plasma would pay about $20 for a pint. But if you recently had mono they would pay $200. It's all depends on what is in your system at the time.

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Where I come from we believe all sorts of things that aren't true. We call it History.

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Avril
Happy Xmas (Warranty Is Over)


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It's too bad Karyn Bosnak has already used up the online begging idea...(for the uninitiated, please see www.savekaryn.com )

Sorry. But the 20K credit card debt reminded me of her.

I don't have much to say, other than maybe to go the ebay route, and to ask whether you expect gifts this holiday season which you might either hint to those close to you should be cash or secretly sell online?

Avril

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There is no failure unless one stops. --Ray Bradbury

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BeachLife
The Bills of St. Mary's


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quote:
Originally posted by Avril:
It's too bad Karyn Bosnak has already used up the online begging idea...(for the uninitiated, please see www.savekaryn.com )

Sorry. But the 20K credit card debt reminded me of her.

I don't have much to say, other than maybe to go the ebay route, and to ask whether you expect gifts this holiday season which you might either hint to those close to you should be cash or secretly sell online?

Avril

I did not give to Karyn, but I did coorespond with her. Here's the email that made the daily me-mail:

quote:
--------------------------------------------------------------------------------------------------------------

DATE: August 8, 2002
FROM: Jack
TO: Karyn
SUBJECT: *sigh*

Argh and avast yea maties, I suppose this pirate will get no response from the beautiful Karyn.

I'll just have to donate my money to NAAPP (National Association for the Advancement of Pirate People) instead.

Jack the spurred King of pirates
:::::
FROM: Karyn
TO: Jack
SUBJECT: Re: *sigh*

Dear Jack,

So sorry to hear you are a pirate. However, I am happy to hear that me ignoring you helped out the National Association for the Advancement of Pirate People. Let me ask you, how big is your sword? I was just wondering...

Karyn

PS - Send a buck if you can!

--------------------------------------------------------------------------------------------------------------



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Wisdom comes with age, but sometimes age comes alone.
Jack Dragon, On Being a Dragon
Confessions of a Dragon's scribe
Diary of my Heart Surgery

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TurquoiseGirl
The "Was on Sale" Song


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quote:
Originally posted by ThistleSoftware:
I think TurquoiseGirl was talking about selling plasma twice a week.

I do, actually. Depending on how much you weigh, at the center where I donate, you can make between $45-55 a week tax free (they take, depending upon your weight 730-780 mL per donation-- and it's replaced with saline). There are also additonal incentives sometimes, like during Nov-Dec you get an extra $ a week. It's not a great lot of income, but it does help. The only thing is that after a donation, I am pretty much wiped for the day and I am a bit uncertain about the long-term effects. I know that it does lower your immune system a bit. Donation centers vary in quality, so make sure that you find one that is careful about sterility.

I also find that, since I am bleeding for it and all, I am much more careful about what I spend the money on. I know it sounds cold-hearted, but I am less likely to give the money away to others. ("Is the craptacular wrapping paper my nephew is selling worth bleeding for for 20 minutes? I don't think so!" )

It was just the one year anniversary of my being granted Chapter 7 (divorce and ExH not living up to MSA). It is a bit of financial purgatory actually, but not totally sucky. I did get to keep my house and my car, because I didn't have much equity ( I am still paying on those loans, obviously). I did, however, file before the new laws took effect, and it is probable that I would have lost both under the new system.

The main draw-back is that (of course) I cannot get a credit card, which makes travelling for work a bit hard. I also am quite aware of the need to save for an emergency-- which I do do.

--------------------
There are people who drive really nice cars who feel that [those] cars won't be as special if other people drive them too. Where I come from, we call those people "selfish self-satisfied gits." -Chloe

Posts: 6995 | From: New Mexico | Registered: Oct 2004  |  IP: Logged | Report this post to a moderator
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