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Chapter 13

July 18th, 2010 at 04:25 pm

I had filed ch. 13 about 9 months ago, getting it dismissed to only file again so the debts could be dischaged. Well I haven't came up with the $1200 to file and I am being garnished by the karate company $500 a month they have taken. They will be paid in full by the end of August, but there are two more debts that already are ready to garnish me when this one stops. its a banking account. I didn't go to the court date. I did go to another company that i borrowed money from, payday loan, and agreed to pay $100 a month to avoid garnishment. I have about 5 payday loans that I opened, intended to pay, rolled over, and over and then I just couldn't afford it anymore. I owe money to everybody, the dentist, banks for NTE charges, medical bills, its pretty bad. For the first time I felt that I was going to loose everything out from under me. I am not happy and every day is full of going over and over in my head about what am I going to do?

2 Responses to “Chapter 13”

  1. Apprentice Bliss Hunter Says:

    This is my first time (I think) reading your blog.

    All I can say is try to not let your financial situation take over your whole life - like the drop of ink that discolours the whole glass of water.

    If you are healthy, you are blessed. If you are alive, you are blessed.

    Don't constantly think over your finances if you can. Spend 2/3 hours a day thinking about solutions and then give it a break until the next day.

    Try and exercise - even if it's only walking for an hour or so.

    There really is more to life than money - either being fabulously wealthy or being deep in debt.

    Please remember also you are not alone in this.

    I wish you well !! :-)

  2. Jerry Says:

    Did you have any dental or medical insurance that could (or should) have taken part of those bills, but never paid? It could be worth trying to find out, since that could lead to some relief on part of the debt. I wish you well in working through all of this...
    Jerry

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