Well, I thought I'd check my credit report. I am fully aware of past mistakes and wondered how they were fairing. I found my total of bad debt is just a bit under 27K. 
Now back in 1995, I filed CH 7 on over $30K (Most was cash advances/Gambling addiction) and so I found out that even if you do go this route, the pain in not bad unless you have more then 1 car and possibly a house. Since I had neither, the pain was nothing. 
Now I "Could" wait another year and they'll basically drop out as the statute for my state is 6 years. Not that they can't bug me for repayment, but legally they can't win in court. Or, I could just file and be done with it. That would mean I have to stay renting for a bit longer, I "Might" get hit with having to repay some of the debt (Bankruptcy is not as loose as it was before the legal changes, repayments as low as $50 a month aren't uncommon) 
So, I am debating doing such. I know some here would say I should repay, I'd like to frankly, but that debt is just a tad much and unless I won a medium lottery prize ($40K or so) I just cannot see this occuring. 
So, I'll be pondering my options. 8'| 8'|
BK ili ne....
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- genenco
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Mighty Member
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Molimo vas Prijava ili Registrujte se Objavite komentar.
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- Započeto
- genenco
- u Jan 02, 12, 05:00:16 PM
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Mighty Member
3032
Original
Prevod 
Prevedeno sa 
Pa, mislio sam da proverim svoj kreditni izveštaj. Potpuno sam svjestan grešaka iz prošlosti i pitao sam se kako su se postigle. Otkrio sam da je moj ukupan loš dug nešto manji od 27 hiljada.
Sada, davne 1995. godine, podneo sam CH 7 na preko 30.000 dolara (većina su bili gotovinski avansi/ovisnost o kockanju) i tako sam otkrio da čak i ako krenete ovim putem, bol nije loš osim ako nemate više od 1 automobila i možda kuća. Pošto nisam imao ni jedno ni drugo, bol nije bio nikakav.
Sada bih "mogao" da sačekam još godinu dana i oni će u suštini odustati pošto je statut moje države 6 godina. Nije da mi ne mogu smetati za otplatu, ali pravno ne mogu da pobede na sudu. Ili, mogu samo da podnesem i završim sa tim. To bi značilo da moram da ostanem iznajmljivač malo duže, „možda bih“ dobio udarac da moram da otplatim deo duga (stečaj nije tako labav kao što je bio pre zakonskih promena, otplate od samo 50 dolara mesečno' t neuobičajeno)
Dakle, raspravljam o tome da to uradim. Znam da bi neki ovde rekli da treba da otplatim, želeo bih da kažem iskreno, ali taj dug je malo veliki i osim ako ne osvojim srednju nagradu na lutriji (40 hiljada dolara ili tako nešto) jednostavno ne mogu da vidim da se ovo dešava.
Dakle, razmisliću o svojim opcijama. 8'| 8'| -
- Odgovoreno
- Imagin.ation
- u Jan 02, 12, 06:04:11 PM
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Superstar Member
5026
Well, you also would have to take into consideration the length of time you would be repaying the debts, hopefully most will "make a deal" and lower the total due verses bankruptcy to be done and over?
If the worse is over as in the abilty to take you to court, sue and collect through garnishments, then if you can deal with the harrasment.. one thing i have noticed is people who hav filed bankruptcy tend to get credit established quicker.Pa, takođe biste morali da uzmete u obzir dužinu vremena u kome biste otplaćivali dugove, nadamo se da će većina „sklopiti dogovor“ i smanjiti ukupni dospeli bankrot koji treba da se završi i završi?
Ako je gore prošlo kao u mogućnosti da vas odvede na sud, tuži i naplati putem zaplena, onda ako možete da se nosite sa uznemiravanjem... jedna stvar koju sam primetio je da ljudi koji su podneli bankrot imaju tendenciju da brže dobiju kredit. -
- Odgovoreno
- Lipstick
- u Jan 04, 12, 03:50:35 PM
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Almighty Member
13901
I think it really depends on the person as to the best route to go. If you really have hopes to buy your own house one day then prolly the best way to go is try to clear up your current debt and do a consolidation. You won't be able to use any credit cards at all if you do this. Plus many of these companies can reduce the amount you owe which is helpful.
It would prolly take a couple years of paying to revive your credit where you can purchase something major. I would consider re-consolidation before bankruptcy if you are considering making payments anyway. It would look better in the long run on your credit rating.
LipsMislim da zaista zavisi od osobe koja je najbolja ruta. Ako zaista imate nade da ćete jednog dana kupiti sopstvenu kuću, onda je najbolji način da pokušate da raščistite svoj trenutni dug i izvršite konsolidaciju. Nećete moći da koristite nijednu kreditnu karticu ako to uradite. Osim toga, mnoge od ovih kompanija mogu smanjiti iznos koji dugujete, što je korisno.
Biće potrebno nekoliko godina plaćanja da oživite svoj kredit gde možete kupiti nešto značajno. Razmotrio bih ponovnu konsolidaciju pre bankrota ako ipak razmišljate o plaćanju. Dugoročno bi izgledalo bolje na vašem kreditnom rejtingu.
Usne -
- Odgovoreno
- csjequ
- u Jan 04, 12, 04:50:51 PM
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Sr. Member
458
Can I ask.....what does To BK or not mean? Just curius and ch7, what is that?
Mogu li da pitam.....šta znači To BK ili ne? Samo radoznalo i ch7, šta je to?
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- Odgovoreno
- genenco
- u Jan 05, 12, 01:31:14 AM
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Mighty Member
3032
Hvala od:
Can I ask.....what does To BK or not mean? Just curius and ch7, what is that?
BK is short for Bankruptcy. Ch7 is the Chapter 7 which is a total clearing of all debts of the person seeking relief from creditors.
I'm just debating/pondering if it would be better to wait or to just slash and burn.
Mogu li da pitam.....šta znači To BK ili ne? Samo radoznalo i ch7, šta je to?
BK je skraćenica za bankrot. Ch7 je Poglavlje 7 koje predstavlja potpuno obračun svih dugova osobe koja traži oslobađanje od poverilaca.
Ja samo debatujem/razmišljam da li bi bilo bolje da sačekam ili da samo isečem i spalim.
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