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2008-09-19 19:15:46 ET Just dragged my ass in from job number two. I am so tired and once again awake. It sucks! Pella has kicked up to 10 hours per shift starting today, until further notice.(48 this week), and Walmart at 32. Next week at Pella it may be as high as 58-60 hours. Which means getting up at 3:30am, so my ass can get up in time(I sleep like a dead dog!)Dual alarms becken me to another tiring day! Thursday I met with a bankruptcy attorney. He was nice enough. We threw around ideas on what we could accomplish, and scenarios for those ideas. As in worst case scenarios. First off. I can't claim a chapter 7, which would give me a new slate.A chapter 13 would consolidate the bills for a period of 5 years, plus credit consuling(haven't had a credit card in 7 years.). Like i have time for counseling?! Found out the papers the sheriff brought me were actual property liens on my house(Fuck you very much Capitol one!). All I can do is a "Quit claim deed". Basically forfeiting my rights to my property. Pass it off to someone for a period of two years. Then do a bankruptcy, then wait six months to re-transfer it to my name again. Because if I did a chapter 7 the clean slate method. The previous debt has presidence over my purchase of my house, so attorneys would look at my past owed debt, and my house purchase and take my house to auction to pay all my past debt. And leave me with little or no money. Plus no place to live!!! So I'm kinda cornered/fucked if you will! Tried talking to my middle brother to help me with the quit claim. He was just a plain asshole on the phone!!! Pissed me off royally! Thing with quit claims is.... If the person I transer it to has creditors hounding them, they could snatch my property for past debt as well:( Talked to my mom about it. She said she would help me out. I would still pay the property taxes and such, and the cost of the deed which is 37 dollars. This week I got a shock. My lady has decided to withdraw her name from my checking account! It started out as mine, then I made it a joint account.So. Due to the shit happening above. I am going to close my account, and open one somewhere else. One where I can get an atm card. And put my pella money in there, and cash my walmart check bi-weekly, and stash it away!!! Have this lurking feeling I may need it. Gotta love the continuous stress..................... |
