That's what I was thinking. They started off with wanting 100%, then 60% and now 40%. Maybe 20% is next?Fatheroffour wrote:Maybe they're working up to a 75% off coupon.
I have and I wouldn't be able to do a straight chapter 7 with my income. However, the lawyer said with my debt and the kids, it SHOULD go through.Fatheroffour wrote:Have you looked at the BK criteria for your area? Qualify for 7 or 13?
dadmisseskids wrote:I haven't paid any house, car or credit card payments since July 2010. I still can't believe they haven't taken my house but it's currently under a short sale. I don't care about the house anymore as I live in an apartment closer towards my work. They can have it.
I also owe my lawyer $7500 who is awesome, not only because she did great in court and I now have primary custody, but also because she is letting me pay $100/wk on that balance.
My car was repossessed and now VW wants $7,800. I've been evading calls.
One of my two credit cards is a military cards has a balance of $1500 on it and I have to pay that off. Supposedly it works the same way as a government loan.
I had an AMEX as well and that balance is $5000. They sent me letters demanding payment. I ignored. Then they sent me a 40% off coupon if I pay 60% of the $5000. I ignored. Now I just received a 60% off coupon if I pay 40% of the $5000.
If it wasn't for the VW debt, I'd probably do the 60% off thing with AMEX. My thought is that if I end up needing to declare bankruptcy (my total debt is listed in this thread and it's about $22,000 between these four things, minus the house), I've just wasted money paying off the AMEX debt.
I should get about $4000 back in taxes this year. Should I pay off the AMEX or just wait until the very end to see if I do end up filing bankruptcy?
Users browsing this forum: No registered users and 2 guests