Some happy news on the personal economy front WOOHOO

[Indenturedebtor]

I was let go from my sales job 2 months ago and we've gotten far enough behind on everything that we can't possibly catch up to pay everything off. We've been worried that we wouldn't qualify for bankruptcy under the new laws... turns out that after three months we'll squeek into a chapter 7 by about 40 dollars a month. We're going to lose the house but at least we won't be Indentured Debtors anymore! So that's a big plus.

AND! I start my new job next Tuesday! I finally get to get out of sales, and I'll be working towards a real career in project management :bounce:

Just wanted to provide one example that there are jobs out there and even though I got lucky, I have real hope again for our future prospects. Without the bankruptcy we'd still be screwed but hopefully we'll be able to save money for the first time in our lives.

[Sanity Claws]

1. I hope things work out for the best for you

I'm happy that you're happy.

[Demeter]

2. Best Wishes to You and Your Family

Persistence is the only way.

[sarcasmo]

3. How many hoops did you have to jump threw for that Chapter 7?

[Indenturedebtor]

7. Well it hasn't gone through yet, but the lawyers assure me that it will

TONS OF HOOPS!

I had to put off this new job and be slow returning paperwork etc for 1.5 months... my wife had to cut back working hours... we had to borrow a couple grand from my folks to pay for it, etc.

Bush made it damn near impossible to go CH 7. They don't even look at debt to income anymore, only whether or not you've earned less than the median income for 6 months. If you're off by a dollar you're fucked.

So we're going to JUST slide in there!

[sarcasmo]

9. I had heard it was near impossible that is why I am shocked you pulled it off.

[Indenturedebtor]

10. Well despite our best efforts we've been borderline FUBAR for years

Just took a couple of months with no income from me to squeek in and qualify. They would take everything we have but we have nothing so HAHA!

When ya ain't got nothin ya got nothin ta lose :P

On edit the hard part was putting off this job which I really want and still qualifying. My wife's work is pretty cool about letting her pick her schedule so long as things get done.

[Greyhound]

4. Congratulations, that's what that reset button is for. n/t

[polichick]

5. Congratulations - sometimes layoffs do result in a job that's a better fit...

We saw that happen when a bunch of neighbors who worked for the same employer were let go ~ most of them made lemonade out of the situation.

Best wishes to you!

[blaze]

6. Sounds like a big burden has been lifted!

I can almost feel you taking that deep breath and those tense muscles relaxing a bit... :)

[Indenturedebtor]

8. Slowly very slowly hehe. Until the BK is discharged

and I get those first few paychecks I'll still be on edge hehe. Things don't usually work out like you want them to... I hope this is one of those rare times when they do!

[blaze]

11. Yeah... Life is what happens

While you're busy making plans, eh? :)

I'm really sorry you will lose your house, but *very* glad you've got a new job!