End of Team 8 Track
Thread Starter
2000 Watt CAFz'r
Joined: May 2003
Posts: 2,819
So,buddies buddy there thinks its either:
a: a scare tactic...to get me off my *** and giving them money.
b:a thing saying something to the effect of"ok...we are obviously not getting our money,we are writing it off.."
I dont think "b" is anywhere near logical...
I will be on the phone at 8 am sharp to them pointing out that we have already discussed these matters.
Please pray for me on this...I need it...
And BTW...The car and stereo would be last to go....I would rather die than have my music taken away from me...and in Calgary,most of you know,you need a car here...I am just going to cut down on a lot of stuff...
Let you know what happens tommorow....(fingers crossed and hands together and head up..)
a: a scare tactic...to get me off my *** and giving them money.
b:a thing saying something to the effect of"ok...we are obviously not getting our money,we are writing it off.."
I dont think "b" is anywhere near logical...
I will be on the phone at 8 am sharp to them pointing out that we have already discussed these matters.
Please pray for me on this...I need it...
And BTW...The car and stereo would be last to go....I would rather die than have my music taken away from me...and in Calgary,most of you know,you need a car here...I am just going to cut down on a lot of stuff...
Let you know what happens tommorow....(fingers crossed and hands together and head up..)
uhh... what are you in debt for???
Just your car, or a whole bunch of stuff ???
My advice is to move, or at least keep your car/other valuable possessions somewhere else other then you address!!
The repo man can't take what he can't find
Also, your credit is already shot totally to ****.... so what else is there to worry about??? Take a deep breath, and try to take it easy....
Call these guys up, and make some arrangments to start paying what you owe...
Worst thing they can do is reposses your **** (not if they can't find it)... or take you to court and have your wages garneshed....
Just your car, or a whole bunch of stuff ???
My advice is to move, or at least keep your car/other valuable possessions somewhere else other then you address!!
The repo man can't take what he can't find
Also, your credit is already shot totally to ****.... so what else is there to worry about??? Take a deep breath, and try to take it easy....
Call these guys up, and make some arrangments to start paying what you owe...
Worst thing they can do is reposses your **** (not if they can't find it)... or take you to court and have your wages garneshed....
Move back in with your folks.
...you should have had a line of credit on your own if you anticipated going into debt. Bankruptcy is not a cool thing to get into.
Don't be proud of being in debt. Just my .02
...you should have had a line of credit on your own if you anticipated going into debt. Bankruptcy is not a cool thing to get into.
Don't be proud of being in debt. Just my .02
Thread Starter
2000 Watt CAFz'r
Joined: May 2003
Posts: 2,819
I dont think people are understanding whats going on...
I filed for bankruptcy in Feb.,which at that time they repoed my 02 Sunfire...
They stated at that point that I must pay them "X" amount of dollars per month til about Nov.....
I HAVENT BEEN PAYING THEM SO THAT I COULD COMPETE AND HAVE FUN THIS SUMMER!!
I now get a letter basicly saying one of 2 things...
a:"pay up or we wont finalize your bankruptcy!"
or
b:"dude....you had a chance...we are overturning your bankruptcy and you going to be seriously screwed!"
If they overturn this,it would quite likely mean that all of the debt I filed on...PLUS INTEREST....would be reverted back to me.Chances are the creditors would demand full payment right now PDQ...when I tell them I can't,I would likely get hauled to court.The sourt would probably order me to sell all of my possessions til the debt was paid.And if I coulldnt make enough that way,they would then garnish my paycheck.....
I would be seriously f***ed!!
I am already trying to get ahold of my trustee about this..but not getting an answer...
"a line of credit" is not an option.....I cant apply for any credit til my bankruptcy is released....not even for an over draft....
As far as hiding my stuff,they have a list of my stuff.If they came to repo it all,they would ask where it is.I would then say I sold it.They would ask for receipts to prove it.WHen I couldnt do that,back to court....
See how serious this has the potential of being??
Thanks for all the input and support guys....its very much appreciated right now...
I filed for bankruptcy in Feb.,which at that time they repoed my 02 Sunfire...
They stated at that point that I must pay them "X" amount of dollars per month til about Nov.....
I HAVENT BEEN PAYING THEM SO THAT I COULD COMPETE AND HAVE FUN THIS SUMMER!!
I now get a letter basicly saying one of 2 things...
a:"pay up or we wont finalize your bankruptcy!"
or
b:"dude....you had a chance...we are overturning your bankruptcy and you going to be seriously screwed!"
If they overturn this,it would quite likely mean that all of the debt I filed on...PLUS INTEREST....would be reverted back to me.Chances are the creditors would demand full payment right now PDQ...when I tell them I can't,I would likely get hauled to court.The sourt would probably order me to sell all of my possessions til the debt was paid.And if I coulldnt make enough that way,they would then garnish my paycheck.....
I would be seriously f***ed!!
I am already trying to get ahold of my trustee about this..but not getting an answer...
"a line of credit" is not an option.....I cant apply for any credit til my bankruptcy is released....not even for an over draft....
As far as hiding my stuff,they have a list of my stuff.If they came to repo it all,they would ask where it is.I would then say I sold it.They would ask for receipts to prove it.WHen I couldnt do that,back to court....
See how serious this has the potential of being??
Thanks for all the input and support guys....its very much appreciated right now...
Pay up. Really, SPL and comps is a fun thing, but it doesn't pay to put that in when you have severe debt to pay off.
Get your priorities straight. It likely would have helped if you dealt with it in the first place.
Get your priorities straight. It likely would have helped if you dealt with it in the first place.
Guest
Posts: n/a
Aaron, they cannot make you non bankrupt again, you are that and that will stay. IF you havn't paid the bankruptcy trustees fee's, they don't have the release you from the bankrupcty. Usually 9 months after you file.
www.moneyhelp.ca has some excellent info and a question board where you can find out info.
You may have to get into contact with a bankrupcy lawyer to get it all straightened out.
Good Luck.
www.moneyhelp.ca has some excellent info and a question board where you can find out info.
You may have to get into contact with a bankrupcy lawyer to get it all straightened out.
Good Luck.
Thread Starter
2000 Watt CAFz'r
Joined: May 2003
Posts: 2,819
I have spoken with my trustee now...
Turnsout this letter,which has been proven to be a court document,is jus standard proceedure!!
What the hell!?!?!?!
Basiclly as I understood it,I would get this letter one way or another...just some of the "X"'s would be in different spots....
This is a copy of the standard report they send the court.
She says "its no biggy.."..easy for her to say...
Theres a line in this thing that states:
"IS IT THE INTENTION OF THE TRUSTEE TO OPPOSE THE BANKRUPT'S DISCHARGE?"...then theres an X by the "yes"...how is a person supposed to read that???
Anyway.....worse case I go to court and get a small extention on making my payments...
this letter scared the s**t out of me....
Stupid goverment crap....
Turnsout this letter,which has been proven to be a court document,is jus standard proceedure!!
What the hell!?!?!?!
Basiclly as I understood it,I would get this letter one way or another...just some of the "X"'s would be in different spots....
This is a copy of the standard report they send the court.
She says "its no biggy.."..easy for her to say...
Theres a line in this thing that states:
"IS IT THE INTENTION OF THE TRUSTEE TO OPPOSE THE BANKRUPT'S DISCHARGE?"...then theres an X by the "yes"...how is a person supposed to read that???
Anyway.....worse case I go to court and get a small extention on making my payments...
this letter scared the s**t out of me....
Stupid goverment crap....
2000 Watt CAFz'r
Joined: Oct 2000
Posts: 2,357
you declared bankruptcy, then you went out and played in stead of taking care of your current problem? why??
and you keep stating that you did this to yourself?
I'm sorry, I can't help you cause you don't want "help" its sounds more like you want a quick fix with no work implyed.
this is not my business, I'm sorry. just stating what I see.. maybe this will clear up how I see it? it really doesen't make sense.
they can't get blood from a stone. if you have no money how can they take it? if you do?? well then nows the time to pay up..
and you keep stating that you did this to yourself?
I'm sorry, I can't help you cause you don't want "help" its sounds more like you want a quick fix with no work implyed.
this is not my business, I'm sorry. just stating what I see.. maybe this will clear up how I see it? it really doesen't make sense.
they can't get blood from a stone. if you have no money how can they take it? if you do?? well then nows the time to pay up..
