Sunday, May 2, 2010

Bankruptcy drama

So how is everyone doing? Me I am ok I guess. I have been dealing with the whole bankruptcy thing. We ended up finding a new lawyer because the last one ended up being an idioutt. This new one is great! He gave us some good news and some bad. The good news is we can claim chapter 7 which I am very happy about. the bad part is...well a little back story.

We borrowed some money from my MIL to help purchase our car after our last one was repoed. Well it turns out that the courts may go after her for the money we have paid her and slit it between my creditors. Our lawyer told us not to pay her any more money until after we are discharged. He said to tell her that if they do go after her that we will pay her back that money as well, which obviously we will but I am TERRIFIED to tell her. I am trying to get hubby to go have a talk with her WITHOUT me. I am afraid that she blames me for all of this and she is already not happy that we are declaring bankruptcy. We have no choice though. If we do not do the bankruptcy soon we won't be able to pay her back because they are going to be garnishing hubby's wages. We received notice that they entered a default judgment against for the car so it is only a matter of weeks before they start taking there money. We also have to figure out how to pull 1200 dollars out of our butt to start the process. I am not sure how we are going to do this. It is constantly on my mind and I am so stressed out!!!!! I guess asking my MIL to borrow the money is kinds out of the question...lol we are screwed. I keep trying to tell myself this will pass. Once we get through this hard part a lot of pressure will be taken off of shoulders but that just seems so far away right now.

We went and celebrated BIL's b-day today. My nephews were cute as always. We babysat on Friday and then I saw them yesterday but when I walked in today No.ah said to me " I missed you Aunt Shell". Aww that just melts my heart. I made the cutest recording on my phone of him saying his ABC's. It is the cutest ABC's ever. I listen to it all the time just to bring a smile to my face. I am trying to figure out how to get on my computer so I can share it here. When I figure it out I will post.

Well, that is pretty much all that is going on here. Hockey is starting and as many of you probably know it is my favorite time...hockey playoffs and my Red Wings are playing. Go WINGS!!!


If anyone has any advice on how to break this to my MIL PLEASE let me know. I can use all the advice I can get.

I hope all is well with you!

xxooxxoo

11 comments:

Declaring Personal Bankruptcy said...

nice title "Bankruptcy drama" i like that.

battynurse said...

I'm glad you found a better lawyer who will help you out. That makes it easier. No clue on how to break it to MIL but how can she blame you? Because you lost your job? I hope she's ok with it and things go as smoothly as they can.

Circus Princess said...

Drama is true. I'm sorry you're in the midst of this crazyness, I hope it's behind you soon.

Big hugs!

sell gold said...
This comment has been removed by the author.
Crazy BIL :) said...

Hard to read with the background.

Jamie said...

I'm sorry - I don't have any advice for you but know I'll be thinking of you. I know this all weighs heavy on your heart but every day is one day closer to having it all behind you.

HUGS

melissa said...

things will workout--my advice is to have dh take care of it. :)

Wings better pull throgh and boy your nephews sure sound cute. :)

Another Dreamer said...

No advice, but maybe have your dh take care of breaking it to MIL... yes.

Many (*hugs*) on the process, glad the new lawyer is better.

strongblonde said...

arg! i hate talking to MIL about anything....let alone difficult stuff! good luck.

i wish you didn't have to deal with any of this!

...oh...and go wings tonight!!!

Triumph said...

Say a little prayer and ask God to reveal to you how to go about this. I will say a prayer for you too.

Hold strong, this too shall pass.

Kristin said...

My hubby and I went through infertility and financial troubles at the same time so I know how horrendous the strain can be. We went through secondary infertility and I remember this one birthday party (at my house) when one set of people knew about our recent miscarriage and the other set of people knew about our probably bankruptcy and I spent the whole time praying the knowledge didn't cross lines. I am so very sorry you are dealing with this and I hope and pray things stabilize for you soon.