Re: dogman Way to go dogman! And my prayers are with you that your health holds for a very very long time! Again Congratulations on your successes! Tuit
Your story certainly have made me reflect back to an "interesting" time in my life when my credit could have taken a turn for the worse after my divorce. But God said "stand still, & let me fight the battle".....you know the rest. Sister Girl
Re: dogman Way to go dogman! May God stay by your side as he has. You are a true inspiration ,and I thank you so much for all that you and others have added to this board . I am one who dose not post often but reads almost daily. Your story is so inspiring to those who believe they have hit bottom with no hope. God bless and thanks again.
Your story brought tears to my eyes. You are clearly a brave and responsible person. I agree with you 100%--if I had been in your shoes, I would've done the same and bought things for me and my loved ones. I am very glad you have a good lawyer and that these credit card companies are acting like human beings *hugs*
Re: dogman Dogman - I was very inspired by your story. You are positive proof that there is hope even for those of us that believe the situation hopeless. You also have shown, that despite what the credit card companies want the public and elected officials to believe, bankruptcy is not a resort for deadbeats trying to cheat them out of their profits. I successfully completed a Chapter 13 in the 90's and the sense of satisfaction I received that I had done my best to honor my debts was quite fulfilling. And as we like to say in B'more: "Who let the dogs out!"
Re: dogman A BIG CONGRATULATIONS!!!!!! (sniff, sniff) You are too much Dawg for me to handle. What can I say....I'm speechless......just keep up the good work. You really don't know but you've just given hope to many of those who post on this board. I know how good it feels to overcome a big delimma. I still look back and shake my head saying to myself...how in the world did I ever..... I know the man upstairs had a lot to do with my second chance at life. LIVE IT and BE MERRY!! ppuuurrrrrrrrr! =oD
Re: dogman I'm a crying basket-case after reading your post. Your courage to share your story is commendable and my thoughts and prayers are with you. I wish you a long healthy life and wish you the best. lb
Congratulations!! What a story and you are an inspiration to others. Here is to your continued good health and good credit!
WOW! That is awesome!! You must feel such a sense of accomplishment!! Live long and Prosper!!! Thanks for sharing your story
Congratulations and many {{{tail wags}}} to you! Your story shows courage and gives encouragement to many. What a battle you have fought and won! Reading your post truly amazes me. I know you must cherish your second chance (in more ways than one) and won't ever look back again. I wish you continued success, you really deserve it!
Ok, I'm probably going to catch holy terror for this post, but I read the entire thing this morning, gave it some thought, and something doesn't sit right with me. Slimming down Dog's post, I absorbed that the following was the sequence of events: 1. Informed of a terminal illness. Not informed as to how much time is left, but doesn't look good. 2. Proceeds to incur $130k of debt due to decreased life predictions. 3. Receieves new drugs on market expanding life expectancy. 4. Proceeds to arrange bankruptcy proceedings, the net result of which appear to be repayment of approx. $42k out of $130k total. Creditors stuck w/ $88k of debt. Now, my problem with this is pretty simple. Although I have no idea what it must feel like to be given a potential death sentence, I *DO* know that the only thing I would be worrying about is that my affairs are in order and that my family and friends would be first. Yes, I would probably take that "trip" or visit those friends I desperately wanted to see, but I absolutely cannot see spending $130k in the span of a year or so. Fine, he did it, no problem. Just nothing I'd be comfortable, with or without a terminal disease, doing. So, when drugs are discovered and all looks promising, what happens? Is there an attempt to repay the enormous debt? I think so, but it's almost impossible and potentially crippling. So, bankruptcy is declared, leaving the creditors holding a very very big, and empty, bag. PLEASE DON'T MISUNDERSTAND ME. I'm no fan of creditors, and for piddly things that they screw US on, I say go get 'em. But, I just don't see why we should be cheering someone who escaped $88k of debt that was, w/o question, valid. Dog, I applaude your struggle. I'm very familiar with terminal disease as I've lost many people, including a father and a step-father from short-term terminal sentences. They didn't go on a spree because they didn't feel it was right or fair to have done that, regardless of life insurance, which is meant and was used for support and continuation of loved ones. As stated earlier, I expect some people will not agree with me. This is my opinion, and well, although not genuinely related to credit "repair", it relays my thoughts. God Bless. Dave
Daveyboy: The creditors have every opportunity to appear at the meeting of creditors scheduled during a bankruptcy hearing and object to the plan and/or any portion of it, including the percentage they will be paid back under the plan. The truth is, unsecured creditors rarely, if ever, bother to appear. It seems they were not concerned in the least about the amount they were recovering under the plan. Additionally they weren't left "holding the bag" you can bet that it was written off on their corporate taxes under a loss. Seems like they did it to themselves to me.
Dogman could have very easily filed a chapter 7 instead of a 13, then nobody would have gotten a cent. The fact that he chose a 13 instead proves that his heart was in the right place. I for one praise Dogman for what he did and the fact the he completed it and succeeded at it. Why not give credit where credit is due?
