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themaninblack posted:To give you an idea, here are the approximate expenses the last 3 months, which are inaccurate to some degree but the numbers are inexcusable regardless. : Are those figures per month, like the rest of your figures? As in, $41,000 per year for booze, blow and blunts? ....can't be, can it? If that's a 3 month period then you are 'only' spending $21,000 pa on vices and eating out. All of which you could stop instantly, right now. Is that correct?
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May 24, 2019 11:21
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themaninblack posted:It is a total over the last 3 months. Yes, I will be doing that. I am trying to learn about meal prepping right now, I grew up in a house where no one really cooked but I should have learned how a long time ago. On the plus side, what this does mean is that once you have gone through the pain of Ch.7, you should be able to get your life back on track with relative ease. i.e. your problem is due to a 'single' incident, rather than multiple, chronic bad issues. Now is the time to take stock and analyse everything. You should be able to give an exact figure for every single expense in your life, then when you know that, you work on managing them. But do run your plan and numbers past someone who is not a lawyer and see whether it is the only option.
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May 27, 2019 20:09
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SiGmA_X posted:I think Chapter 7 is by far the best option as it should discharge your debt. I'm not sure how to structure things so you qualify without committing fraud, ask a lawyer. Your asset values may be a problem too, you may have too much equity in the car/house. Again, ask a lawyer. What 'e said. Also, just to clarify: is your GF the mother of your children and a stay at home mom? You went on a multi-month bender, which means that as you were working 2 jobs at the time, your family must have hardly seen you. Did they know you were in a casino, or did you claim you were working late? It also means that the CC bills were coming in: did she know you were gambling all that money and allowed it/were unable to stop you, or did you hide it from her? Now I think about it more, this is a little more serious than have a week-long bender and waking up with a hangover, a tattoo and a huge debt. There are definitely some other issues you need to address here.
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May 28, 2019 08:46
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