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Everything posted by jc72

  1. Thank you. I think my inlaws are having the issues because of the means test. We are a family of 5, and are within the median range, so doesnt that mean when we file a 7, if we have more thatn $175 leftover a month we are OK? or it still appplies? We are not using the attorney we were planning on. He has had my inlaws paperwork for 3 weeks, cashed the check the 1st day, and even admitted he didnt even look at anything until yesterday. (they were quoted a price for 7, now my inlaws might have to pay more for the 13)
  2. Hi. Washington state here. My husband and I are getting our paperwork ready to file a Chapter 7. We already had our initital consult with our attorney, who told us we qualified for a 7. Since then, my inlaws relized they needed to file. I refered them to my attorney. They have gotten all their paperwork ready, paid the attorney ect. They had qualfied for a Chapter 7 also. (they were negative $4000 every month due to credit card debt) The attorny quoted them the cost to file, check was cashed, ect. When the attorney went thru their Schedule J (current expenditures of individual debtors) he told them they do not qualify anymore. Inlaws clarifed with them that the schedule J was supposed to be filled out with the expenses they would have after they file, and he confirmed that. It shows they have a monthly net income of $758.00. The attorney now says they do not qualify for a 7 because they need to be negative every month. So in order to qualify for a 7, you need to be negative every month before you file and after you file? This makes no sense to us. He is telling them that unless they come up with more expenses to have AFTER they file, it will have to be changed to a Chapter 13. Is this correct? Any advice would be great. Thanks!
  3. I feel your pain tmac01- Last september was when I first had a CL decrease on one of my AmEx's. (I had 2 others) I ended up speaking to a pretty nice CSR @ AmEx who gave me a bit of insight. She said they do a soft pull every month (which I was aware of, and watching, it was like clockwork) and every 3 months AmEx goes over those soft pulls to do a financial review of the credit report. They ended up decreasing the CL on the 1st AmEx because of the utilization of other cards showing on my report (which at that time were alllll under 30%). She said IF there was any CL decreases on the cards, it would only happen every 90 days, and never go below the CL. She gave me the dates of the last financial reviews on the 2 other cards and sure enough, exactly 90 days after the last FR on each of those cards, the CL was lowered. (not at the same time, about 6 weeks apart for each card)
  4. married 17 yrs. So this is what we really want to know.... How many CIC'ers have hooked up over the years? *does not count Nimmy showing up at CIC'ers houses looking for some:roll:
  5. I can honestly say that after 17 years of marriage...we still surprise ourselves with discovering new things. We are very happy, very lucky.... I have friends that try sooo hard to have perfect romantic nights, that it ends up being disappointing for them, because they were trying too hard. A few of them dont even kiss. There is no connection with their partner. One couple just got too involved with their "lives". It had been so long since there was anything other than "wham bam thank you mam" in bed, that they couldnt get back to where they used to be. Being the great friend that I am , I told my friend to just take the lead, kiss her man in bed, initiate the foreplay and see what happens. It was a simple, obvious suggestion, but it worked. And now I must abandon this topic, since hubby is in Seattle for a few days.
  6. jc72


    Really good....I'm glad i'm back again. It's almost like I never left! You keeping everyone in line?
  7. jc72


    Hi Hows all those lil ones doin? Planning any more? Summer routine? That is out the window this year! Have not worked during the summer in 10 years. Trying to get it all figured out..Its hard cause the 15 year old stays home with the 10 & 5 year olds. But he is so busy Im trying to find a teen to come watch the lil ones when he cant. Alot of days I got to work at 5 or 6am, so I can leave at 2 or so. Which is usaully just around the time they are ready to wanna go swimming or to the lake. And I'm sure pretty soon we will start hearing Chase talk about childcare issues:lol:
  8. Im curious how everyone budgets and shops for their groceries... We are a family of 5 (3 boys, 15, 10, and 5. nuff said on that:cool:) I always have a menu planned also... DH has always gotten paid every other friday (now I do too, on his days also:)) So I have always done one big trip every 2 weeks on payday weekends. I always go to WalMart (no hi-jacking my grocery thread to I hate Wally-World thread! ) then bread store, Costco, and then to Albertsons to buy meat (hate WalMarts meat section) Not only does that take alot of time, but I would still end up going to the store numerous times during that 2 weeks to get fresh fruit/veggies ect. Which meant I was spending more because I had to "justify" going to the grocery store to pick up a couple of things. So I am going to start shopping once a week. But with us getting paid every other week, I think the best thing I should do is budget the amount I'm going to spend in that 2 weeks and either take the cash out of the account right away for it, or transfer it to savings. Otherwise Im fraid if I just have it sitting in the account, then that middle of pay period grocery trip will get spent.
  9. jc72

    Updates on CIC'ers...

    Oh yeah, I've been catching up on everyone.... J has a stalker...lots of sex talk...Chase got married (but i have stalked her the entire time I was gone anyway8]) Nimmy still tryin to get some...
  10. jc72

    Updates on CIC'ers...

    Thanks...I read that Dive and Master gave a lil update saying what was up with them, busy and all. and i forgot to ask about LNY..but she seemed to not be around before I stopped coming around. All you mod's have a tough job and get beat up alot around here!
  11. So ive been trying to read up (stalking) on some of ya and a few seem to be missing on the board lately.... Anyone have info on how these guys are doing? Elyse Lyle Earth Angel Dive Master P(orno)
  12. I have missed out on so much since I deserted CIC... Stalker? pretty cool Jay. and I swear there used to be a smilie that was stomping/throwing a fit?
  13. :BigDance:Happy Birthday!!!!
  14. jc72


    Thanks guys! I re-read my post, and it seems that I'm putting alot of blame on AmEx, economy blah blah blah. We know WE f'd up. big time. We are kicking ourselves everyday for this situation. During our entire marriage (17 yrs) we never had good credit, no cards, have rented the same house for 11 years. Then we get smart, find this site and it didnt take very long to get to a "normal" place. A year ago we had 680-718 scores. Now we are here. Still renting same house. Way worse credit than we could ever imagine, and OH MY GOD collection calls? hellloooooo...is 30 a day necessary? It is obnoxious. And they are mostly automated. Now they have resorted to calling my inlaws (since I used them as reference ) For months we didnt change our spending habits, even tho we were living on cards, thinking things would change. Stupidity on our part all the way! When we get out of this mess, someday....we will have just what we need to establish our history. I am taking my signature to heart more now than ever. Live, love, laugh, LEARN
  15. jc72


    Hello all! I will be hanging around the board a little more (or a lot more )... I feel like my tail is between my legs...after spending so much time getting our credit clean, we are back to square one, actually negative! Long story short, credit cards were getting approved left and right. Especially those AmEx's. Even though we were all warned about AmEx's tactics... approved! CLI button! (numerous times) FR! credit limit decrease! I have not worked full time in years, DH works in the construction industry (sales) making commissions. With the economy the way it has been, DH wasnt making commissions, and while I was looking for work, we were competely 100% living on credit cards. (30G) I finally got a really great job, but by that time, it was too late. We were still making 20G less than we had over the years. Within the next few weeks we will be filing. I had hoped to have it done sooner (before the CC went to collections), but it didnt work out that way. I feel sick to my stomach about it all. Be sure I will be spending alot of time on the AmEx threads begging people not to do the CLI (even tho I didnt listen) and I feel like the poster child on what not to do when the going gets tough. Other than that, my family is healthy and happy. My children thankfully dont have a clue. Someday we will tell them and lead them in the right direction. I look forward to reading how everyone has been doing!
  16. already done! I know I pm'd you a long time ago to ask your advice, but things got crazy around here.. sorry! So, check in this morning, home tomorrow afternoon, sleep on my back:evil: pain for god knows how long, no work for 2 weeks, very sexy support bra for 6 weeks... sound about right? yup. Master just wishes it was an upgrade (which is how I look at it!)
  17. I think Cav's point is... "come on, gimmee a break Macys!" If you have read Cav's posts over the time you have been here, you would see that she is on the other side of the credit repair...she has established credit and over come the negative.. One day it might happen to you, after months of payments on time, when you make an error with them, honest mistake, that CLI you had rec'd for MONTHS of good history with them, will be dismissed within 1 day. No questions asked.
  18. easier said than done when retailers have Halloween AND Christmas suff right next to each other.
  19. newbie.... Sooooo glad Weeds is back! And every other addictive show that I love... Master....
  20. A while back I needed to go to CIC anonymous... I am in recovery, and feel strong enough that I can resist the urge to get pulled back in to the force.... All is well now, however.... After many blissfull, happy years,(16) the gods decided it was time for a shake up in my marriage... I am happy to report that we have overcome the drama!!! Counseling, communication, re-commitment ceremony, kicking some a$$ and we are back to us. Have a part time job in a doctors office in the mornings.... Kids going every which way....a couple of wonderful vacations over the summer (with kids, without ) Having my surgery this Thursday....me not shy! I will put before and after pix of the girls up in about 6 weeks::Chasey:: (no, not nekkid ones:roll:) whats up here? Gimme the gossip, scoop, happenings of the playas!!! (i have soooo missed the smilies!!)
  21. both mine and DH were suspended on first of month...I didnt think anything of it since I thought it was a billing issue(our bank was bought out) and I haven't been here foreva so I didnt know there was new TC drama... Finally called last week for me, gave me the same blah blah blah drama of pulling too much. Got my email a couple of days ago saying I was good to go, can now access...
  22. I applied a few weeks ago (AGAIN), 3rd time maybe?? Last time they pulled Tu and EX (my best) and they said I didn't have a file... :confused: Called yesterday and was approved for $1000...