Talk to me about personal bankruptcy

[Anonymous]

bwhaha just search bitch bye on the forum search. You guys will see the type of person OP is

[Anonymous]

Did OP say she was 42?? She sounds a lot younger.

[Anonymous]

Anonymous wrote:NP here. I have one child who clings to me like crazy. He gets upset if I walk around the room (that he is in) faster than he can chase after me while holding onto my leg (so I can do chores very quickly). Tough for him... As much as I love my DC, things have to get done. But I emphasize with parents who can't get anything done with even one child.

That's where I am. I asked for 3 minutes to not be touched today and got jumped on to be a horsey. Dishes are piled up and because I have a in unit laundry that is not on tonight's list.

[Anonymous]

Anonymous wrote:oh OP is the bitch bye poster. That explains a lot. She's not very smart and pretty trashy. I'm betting the reason she's complaining so much is that she does not make the salary she does, therefore has to come up with reasons to argue with everyone. She's a lovely person

Hmm. There is more than 1 of us. It's a term. But for you a special bitch fuck you. You trolled this post and all I wanted to know about was the discharge of private student loans. I did the google since you couldn't seem to stay focused
http://www.huffingtonpost.com/steve-rhode/some-private-student-loan_b_3652935.html
Under the heading of don't believe everything you think, it appears many people continue to erroneously believe student loans can't be discharged in bankruptcy. And a recent influx of student loan assistance companies that are selling their help are also perpetuating that myth.
So to you PP, an ultra special Bitch fuckin' bye. Go get laid or something.

[Anonymous]

Anonymous wrote:Did OP say she was 42?? She sounds a lot younger.

Bitch bye

[Anonymous]

What do you do with your kid while you're on DCUM?

[Anonymous]

lol cracking up over here at OP.

[Anonymous]

Anonymous wrote:

Anonymous wrote:oh OP is the bitch bye poster. That explains a lot. She's not very smart and pretty trashy. I'm betting the reason she's complaining so much is that she does not make the salary she does, therefore has to come up with reasons to argue with everyone. She's a lovely person

Hmm. There is more than 1 of us. It's a term. But for you a special bitch fuck you. You trolled this post and all I wanted to know about was the discharge of private student loans. I did the google since you couldn't seem to stay focused
http://www.huffingtonpost.com/steve-rhode/some-private-student-loan_b_3652935.html
Under the heading of don't believe everything you think, it appears many people continue to erroneously believe student loans can't be discharged in bankruptcy. And a recent influx of student loan assistance companies that are selling their help are also perpetuating that myth.
So to you PP, an ultra special Bitch fuckin' bye. Go get laid or something.

PP here and people like you drive me effin nuts. I presume that as a lawyer, you did realize you actually had to pay your loans back when you took them out? Trying to get rid of them in bankruptcy on a 130k salary because you don't want to make any lifestyle sacrifices is irresponsible. I sure hope you don't work at my agency.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:oh OP is the bitch bye poster. That explains a lot. She's not very smart and pretty trashy. I'm betting the reason she's complaining so much is that she does not make the salary she does, therefore has to come up with reasons to argue with everyone. She's a lovely person

Hmm. There is more than 1 of us. It's a term. But for you a special bitch fuck you. You trolled this post and all I wanted to know about was the discharge of private student loans. I did the google since you couldn't seem to stay focused
http://www.huffingtonpost.com/steve-rhode/some-private-student-loan_b_3652935.html
Under the heading of don't believe everything you think, it appears many people continue to erroneously believe student loans can't be discharged in bankruptcy. And a recent influx of student loan assistance companies that are selling their help are also perpetuating that myth.
So to you PP, an ultra special Bitch fuckin' bye. Go get laid or something.

PP here and people like you drive me effin nuts. I presume that as a lawyer, you did realize you actually had to pay your loans back when you took them out? Trying to get rid of them in bankruptcy on a 130k salary because you don't want to make any lifestyle sacrifices is irresponsible. I sure hope you don't work at my agency.

I'm not trying to get rid of the 160k fed loans. Just the 40k private loans. The provider needed my financial aid office to step in and tell them to consolidate the payments originally. They conveniently forgot about that and restricted the loans once out of forbearance.

[Anonymous]

1. Is this the listing with the spot? http://washingtondc.craigslist.org/doc/apa/4178472868.html It's a spot alright - a light spot from the odd shadows created in a dark basement. It's not a stain. I work in lighting design, so trust me on this.

2. I'm 95% sure that if you attempt to declare bankruptcy and it comes to light that you make enough to pay your loans, that you're actually saving a bunch of money, and that you have a steady job you won't be allowed to declare, let along discharge any debt. That's common sense. Otherwise, everyone who doesn't want to pay loans or debt would declare. Because that's what's happening; you don't want to pay it, you want to save instead. I get it, but it's not going to fly.

3. To that end, we have an $800/month loan payment on a $110 income, so I do get it. We just don't save. It sucks. It feels awful. But it is what it is. Bankruptcy isn't an option. But selling your car, moving to a place with communal laundry, or making other changes are all viable options.

4. Lose the 'tude.

5. Bitch bye.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:oh OP is the bitch bye poster. That explains a lot. She's not very smart and pretty trashy. I'm betting the reason she's complaining so much is that she does not make the salary she does, therefore has to come up with reasons to argue with everyone. She's a lovely person

Hmm. There is more than 1 of us. It's a term. But for you a special bitch fuck you. You trolled this post and all I wanted to know about was the discharge of private student loans. I did the google since you couldn't seem to stay focused
http://www.huffingtonpost.com/steve-rhode/some-private-student-loan_b_3652935.html
Under the heading of don't believe everything you think, it appears many people continue to erroneously believe student loans can't be discharged in bankruptcy. And a recent influx of student loan assistance companies that are selling their help are also perpetuating that myth.
So to you PP, an ultra special Bitch fuckin' bye. Go get laid or something.

PP here and people like you drive me effin nuts. I presume that as a lawyer, you did realize you actually had to pay your loans back when you took them out? Trying to get rid of them in bankruptcy on a 130k salary because you don't want to make any lifestyle sacrifices is irresponsible. I sure hope you don't work at my agency.

I'm not trying to get rid of the 160k fed loans. Just the 40k private loans. The provider needed my financial aid office to step in and tell them to consolidate the payments originally. They conveniently forgot about that and restricted the loans once out of forbearance.

Blah blah blah - I'm such a victim. Grow up.

[Anonymous]

Anonymous wrote:1. Is this the listing with the spot? http://washingtondc.craigslist.org/doc/apa/4178472868.html It's a spot alright - a light spot from the odd shadows created in a dark basement. It's not a stain. I work in lighting design, so trust me on this.

2. I'm 95% sure that if you attempt to declare bankruptcy and it comes to light that you make enough to pay your loans, that you're actually saving a bunch of money, and that you have a steady job you won't be allowed to declare, let along discharge any debt. That's common sense. Otherwise, everyone who doesn't want to pay loans or debt would declare. Because that's what's happening; you don't want to pay it, you want to save instead. I get it, but it's not going to fly.

3. To that end, we have an $800/month loan payment on a $110 income, so I do get it. We just don't save. It sucks. It feels awful. But it is what it is. Bankruptcy isn't an option. But selling your car, moving to a place with communal laundry, or making other changes are all viable options.

4. Lose the 'tude.

5. Bitch bye.

So you have no experience with bankruptcy? Thanks for emmmm nothing.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:oh OP is the bitch bye poster. That explains a lot. She's not very smart and pretty trashy. I'm betting the reason she's complaining so much is that she does not make the salary she does, therefore has to come up with reasons to argue with everyone. She's a lovely person

Hmm. There is more than 1 of us. It's a term. But for you a special bitch fuck you. You trolled this post and all I wanted to know about was the discharge of private student loans. I did the google since you couldn't seem to stay focused
http://www.huffingtonpost.com/steve-rhode/some-private-student-loan_b_3652935.html
Under the heading of don't believe everything you think, it appears many people continue to erroneously believe student loans can't be discharged in bankruptcy. And a recent influx of student loan assistance companies that are selling their help are also perpetuating that myth.
So to you PP, an ultra special Bitch fuckin' bye. Go get laid or something.

PP here and people like you drive me effin nuts. I presume that as a lawyer, you did realize you actually had to pay your loans back when you took them out? Trying to get rid of them in bankruptcy on a 130k salary because you don't want to make any lifestyle sacrifices is irresponsible. I sure hope you don't work at my agency.

I'm not trying to get rid of the 160k fed loans. Just the 40k private loans. The provider needed my financial aid office to step in and tell them to consolidate the payments originally. They conveniently forgot about that and restricted the loans once out of forbearance.

Blah blah blah - I'm such a victim. Grow up.

Stop trolling and go to bed

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:oh OP is the bitch bye poster. That explains a lot. She's not very smart and pretty trashy. I'm betting the reason she's complaining so much is that she does not make the salary she does, therefore has to come up with reasons to argue with everyone. She's a lovely person

Hmm. There is more than 1 of us. It's a term. But for you a special bitch fuck you. You trolled this post and all I wanted to know about was the discharge of private student loans. I did the google since you couldn't seem to stay focused
http://www.huffingtonpost.com/steve-rhode/some-private-student-loan_b_3652935.html
Under the heading of don't believe everything you think, it appears many people continue to erroneously believe student loans can't be discharged in bankruptcy. And a recent influx of student loan assistance companies that are selling their help are also perpetuating that myth.
So to you PP, an ultra special Bitch fuckin' bye. Go get laid or something.

PP here and people like you drive me effin nuts. I presume that as a lawyer, you did realize you actually had to pay your loans back when you took them out? Trying to get rid of them in bankruptcy on a 130k salary because you don't want to make any lifestyle sacrifices is irresponsible. I sure hope you don't work at my agency.

You should calm down. Maybe have a glass of wine

[Anonymous]

I've updated the possible monthly budget based on updated info on student loan payments, food expenses. I kept the $1500 apartment, as it's been shown many times over that she can find one in the city. I've nixed retirement savings. After expenses, she still has $1750 a month to spend. Maybe she is doing crack.

Student Loan Person Per Month
Gross Salary $10,833
Taxes - STate and Fed $2,956
FICA $745
Health Insurance $300
Net income $6,833

Expenses
Student Loans $900
Housing $1,500
Child Care $1,200
Food $400
Utilities $150
Car Note $350
Clothes $100
Gas $100
car insurance $83
Phone $60
MIsc $240


Total Expenses $5,083
Net $1,750