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Old 09-16-2009, 05:56 PM  
Dayze Dayze is offline
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Bankruptcy - anyone gone through it?
well, after a 12 month fight with our mortgage company and creditors; exhausting all savings; cashing out 401ks; stopping 401k contributions.....

it appears the end is near. We are being foreclosed upon 10/15/09.

our lender has being jerking us around for 5 months with a loan modification and I was informed today by the VA that even if the mod is approved, it will likely be a very miminal impact to our monthly commitment/cashflow etc.

Anyone have any suggestions, opinions on the matter? It's really tough right now.

Thanks guys/gals.

Dayze
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Old 09-18-2009, 01:49 PM   #106
R8RFAN R8RFAN is offline
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Bottom line Dayze

When you become Debt free and the turk shows up where you work, you can go flip burgers at burger king and make enough money to keep the lights on and pay your taxes.I have zero pressure
Work was slow here earlier in the year... I was working 2-3 days a week, did I panic?
Nope, because when you don't have any bills except basically utilities, You don't have to make that much money.

I would rather it had been busy and I could have saved even more, but it wasn't there so I just took some stress free time off instead.
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Old 09-18-2009, 01:52 PM   #107
Dayze Dayze is offline
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Quote:
Originally Posted by R8ers View Post
Bottom line Dayze

When you become Debt free and the turk shows up where you work, you can go flip burgers at burger king and make enough money to keep the lights on and pay your taxes.I have zero pressure
Work was slow here earlier in the year... I was working 2-3 days a week, did I panic?
Nope, because when you don't have any bills except basically utilities, You don't have to make that much money.

I would rather it had been busy and I could have saved even more, but it wasn't there so I just took some stress free time off instead.
exactly where I want to be.
no stress.
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Old 09-18-2009, 01:56 PM   #108
R8RFAN R8RFAN is offline
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Originally Posted by Bugeater View Post
Well IMO, if they can afford it and that's how they want to spend their money, they deserve it. I don't think entitlement comes into the picture most of the time.

And besides, if everyone subscribed to that theory and didn't buy new cars, where would the used cars come from? We'd be like the folks down in Cuba who are all still driving 1958 Packards.
Well if that's the way you feel then thats 100% your option to spend the money you have or spend the money you have not earned yet.

I just choose to spend the earnings I have made instead of spending the money I will make in the future and thats the way I feel, the only justifiable debt is the 15 yr mortgage of 25% or less of net pay per month.
I don't sign on to anything, even my blackberry I paid full price cash for because I don't do contracts.

The second part will never happen because 70% of America lives from paycheck to paycheck and that won't be ending anytime soon because people have to keep up with the Jonses with the new cars in the driveway.
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Old 09-18-2009, 02:02 PM   #109
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Originally Posted by Dayze View Post
exactly where I want to be.
no stress.
PM me on your progress from time to time, I will be glad to help you with moral support anyway I can.

I also would suggest you listen to the Dave Ramsey show for a while to understand the whole mentality.....

People will think you are a weirdo for thinking the way I am trying to explain, but once you catch on and see the light you will look back on all the dumb, impulsive things in your life you did..

I have made errors, even on cars

2002 I bought the explorer because my paid for BroncoII was paid for, but I was disgusted and fell for the whole reliability crap and bought it. (paid it off in 2 years)

then in 2005 the dumbest thing I did was buy the 2005 Suzuki Forenza because the gas prices were going up.... (paid off in a year) then said no more, buckled down, saved, saved, saved then paid off the final 75k dollars of my mortgage in one pen stroke...

Never again friend, Never again
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Old 09-18-2009, 02:04 PM   #110
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Hey skip are you still sliming off his ex-wife's death benefits?
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Old 09-18-2009, 02:56 PM   #111
Skip Towne Skip Towne is offline
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Quote:
Originally Posted by R8ers View Post
Hey skip are you still sliming off his ex-wife's death benefits?
Is your POS Raiders site still occupied by nobody?
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Old 09-18-2009, 02:57 PM   #112
R8RFAN R8RFAN is offline
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Quote:
Originally Posted by Skip Towne View Post
Is your POS Raiders site still occupied by nobody?
Pretty much... but it has potential, unlike you
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Old 09-18-2009, 02:59 PM   #113
Simply Red Simply Red is offline
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Didn't actually declare BR, BUT I was there.
Snorted everything I made up my nose, and what was left I popped in pill form or drank away and lost the ****en farm for it.
9 years later things changed.
You'll feel lost for a while, but only for as long as it takes to you to come to the conclusion you KNOW you will bounce back.
I lost not quite $400,000 in buisness/home/marrige.
Now I own my own buisness again, and qualified for a mortgage
It's hell.
I ain't gonna lie. But don't roll over and play dead.
Ahh, no wife though? Smart man. Jack Herer would be proud, OH.
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Old 09-18-2009, 03:00 PM   #114
aturnis aturnis is offline
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What's your current mortgage rate?
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Old 09-18-2009, 03:02 PM   #115
Skip Towne Skip Towne is offline
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Originally Posted by R8ers View Post
Pretty much... but it has potential, unlike you
It has no potential. Nobody likes you.
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Old 09-18-2009, 03:11 PM   #116
Dayze Dayze is offline
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Originally Posted by aturnis View Post
What's your current mortgage rate?
I believe it's 7.
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Old 09-18-2009, 03:14 PM   #117
R8RFAN R8RFAN is offline
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Quote:
Originally Posted by Skip Towne View Post
It has no potential. Nobody likes you.
Hell, I don't care who likes me or not skip, I am a full grown man that takes care of himself instead of relying on a dead ex wife to take care of me...

Men take care of their women, Ex wives shouldn't have to take care of their scumbag ex husbands that are worthless pos's that are too sorry to go out and make a living regularly because they are too busy noodling around social networking sites all day...

Get a job you loser,
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Old 09-18-2009, 03:17 PM   #118
Simply Red Simply Red is offline
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Originally Posted by R8ers View Post
Hell, I don't care who likes me or not skip, I am a full grown man that takes care of himself instead of relying on a dead ex wife to take care of me...

Men take care of their women, Ex wives shouldn't have to take care of their scumbag ex husbands that are worthless pos's that are too sorry to go out and make a living regularly because they are too busy noodling around social networking sites all day...

Get a job you loser,
Dude, come on.
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Old 09-18-2009, 03:20 PM   #119
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Dude, come on.
It's an ex wife.... not a wife man, this is the biggest troll on Chiefsplanet by far and has been for years, I am surprised you guys have tolerated him...

He is a loser man, plain and simple.... He does not aspire to be anything but a loser, he posts like a loser, no matter what time of day you come here, he is here.

When does he work?

I call a spade a spade, sorry if I offended you
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Old 09-18-2009, 03:26 PM   #120
Skip Towne Skip Towne is offline
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Originally Posted by R8ers View Post
Hell, I don't care who likes me or not skip, I am a full grown man that takes care of himself instead of relying on a dead ex wife to take care of me...

Men take care of their women, Ex wives shouldn't have to take care of their scumbag ex husbands that are worthless pos's that are too sorry to go out and make a living regularly because they are too busy noodling around social networking sites all day...

Get a job you loser,
Yet you are the piece of shit who gets banned from those sites. Eat shit punk bitch.
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