Sad sad times.

[Vertisce]

Well ive been scarce recently...and for good reason. The wife and I are filing for bankruptcy currently and moving down to SLC at the same time. Ive decided that in the interests of our finances to let the Jeep go with the bankruptcy. We still have a car but I wont have the Jeep anymore. Not sure if I will be able to get another anytime soon. We still owe just under 10k on it and just cannot afford it. I might possibly buy an older one down the road or maybe get a Wrangler depending on whats cheaper. Definately not leaving the Jeepin world. Maybe ill pop in from time to time. Good luck all.

[ACE]

Think of it as a fresh start. Good luck to you and your wife.

[Vertisce]

Yes very much a fresh start. But to give you an idea of how I feel about this. Last night I made the decision that it was necessary for me to give up the Jeep in order for us to survive. This morning I drove to work. I will admit this...I quite literally cried all the way to work.

[packratt53]

I understand the feeling, lost two jeeps that way over the years. Latest one is sitting in the driveway with a cracked block, cracked it 4.5 yrs ago and still waiting for the chance to build a motor. good luck to ya both

[DaveW]

If you do not own to much on te jeep maybe you could sell it to a good NAXJA home...
What are the specs?

[Vertisce]

Well...its a 2001 Cherokee Sport. 4WD of course Power windows and steering and locks. Tilt but no Cruise Control. No accidents. Everything is in good condition. There is an error code that keeps coming up but nothing major im told. P0441 if you wanna look it up. No ABS so it has the 8.25 rear axle. After market Class III hitch.

Here are some pics.

http://photobucket.com/albums/b389/Vertisce/Jeep/

Not much else I can think of. Has about 85K miles on it and I still owe about 10K. Ive been using Full Synthetic Valvoline High Mileage oil and using full synthetics on diffs and whatnot. Runs perfectly...break pads need changing though.

It also has a 10" LCD screen on the ceiling. DVD player under the passenger seat. Can hook up video game systems to it. Also has a Sony CD deck which is very very nice. Everything else is pretty much stock. Rear springs were changed out last year.

If anybody is interested you can contact me at 801-391-2463 and leave a message if I do not answer.

PS. I wouldnt feel so bad if I knew it was going to someone from this group. Knowing its going to be treated and used right would put me at ease untill I could afford another Jeep.

[XJFreak]

Sorry to hear about your hard times. I am also going through a tight period right now. Choices had to be made and now my name is no longer red. Good luck and keep your head up. Always try to find a bright spot in your life and focus on it.

[DrMoab]

PS. I wouldnt feel so bad if I knew it was going to someone from this group. Knowing its going to be treated and used right would put me at ease untill I could afford another Jeep.
This group? Treat it right? You sure you have the right group?

On that note mine is trashed to the point of needing a body replacment. What you want for it? :D

[Vertisce]

This group? Treat it right? You sure you have the right group?

On that note mine is trashed to the point of needing a body replacment. What you want for it? :D
Would have to be 10K just to cover what is owed on it. If I could I would ask 12 but im sure that will never happen.

[TRNDRVR]

The wife and I are filing for bankruptcy
The weak way out. :nono:

Thanks for putting a burden on the rest of us who are financially responsible.

Sorry, JMHO.

Good luck!

[the_chief]

desperate times call for desperate measures i guess.

I'm kinda f'd right now too, the ex is trying to put the screws to me. I've already contemplated which vehicle to get rid of. I'd rather keep my junk and sell the 03 coupe dd even though i own them both. I guess i feel like if i had to sell the heep, I would be losing a piece of myself.


No way that bitch is takin' my jeep!

good luck, i know the feeling.

edit: the 00 sport is already gone, but may be on a comeback here in a minute.

[DrMoab]

The weak way out. :nono:

Thanks for putting a burden on the rest of us who are financially responsible.

Sorry, JMHO.

Good luck!
I agree with you...usually especially when it comes from people being stupid and irresponsible. But when you have medical bills it can be just to overwhelming.

[TRNDRVR]

But when you have medical bills it can be just to overwhelming.
No excuses!!! Sorry.

[Vertisce]

No excuses!!! Sorry.
Well the next time your 24, unable to finish college, working two jobs with over 60k in medical debt alone and still living with your inlaws while married let me know and tell me how you do it.

[DrMoab]

No excuses!!! Sorry.
That's funny coming from a guy who has his income subsidised by the rest of us because the company he works for would be bankrupt without the rest of us.

[crazy4moab]

I feel your pain, bra. I just did my taxes and if it weren't for my BK, I would be getting enough back to buy me a SWEET XJ. But, alas, I must send it off to the courts.

Hang in there. A large weight is about to fall off of your shoulders. Good luck, dude.

[TRNDRVR]

No excuses!!! Sorry.
Well the next time your 24, unable to finish college, working two jobs with over 60k in medical debt alone and still living with your inlaws while married let me know and tell me how you do it.Man up to your responsibilities. That's how!

This is your original post. You're obvisouly looking for some sympathy for your "whoa is me" story. You got my opinion and you don't like it. Like I said before, sorry.

[TRNDRVR]

That's funny coming from a guy who has his income subsidised by the rest of us because the company he works for would be bankrupt without the rest of us.And you're grasping at......what?

[DrMoab]

And you're grasping at......what?
not grasping and anything really. Just saying that you are saying there is no excuses for him putting a load on the rest of us yet you work for a company who does the same thing. Just seems a little hypocritical.

I think bankruptcy is a horrible thing to do. These kids who rack up tons of debt that they can't afford and then just aren't willing to pay it off and just want an easy way out should be shot!
But it is different when the world falls on your head and it isn't your fault. Sometimes things pile up beyond any hope of bailing out of.

[Vertisce]

Man up to your responsibilities. That's how!

This is your original post. You're obvisouly looking for some sympathy for your "whoa is me" story. You got my opinion and you don't like it. Like I said before, sorry.

I am. Its called accepting the fact that it can never get paid. My wife and I cant live with her parents for the next 30 years. She had surguries to save her life...should I just have let her die instead? When we make a combined total of 2500 a month AFTER taxes and our bills without food, rent, clothing and utilities are over 2700 a month...it simply leaves me with no choice.

And not im not looking for sympathy or a pity party. Was just expressing my feelings towards the fact of me losing my Jeep. And I was posting just to let people know. If I really wanted sympathy the post would have been much different.

And yes your entitled to your opinion. Doesnt mean I have to like it or follow by it.

[DrMoab]

it simply leaves me with no choice.
Well that isn't totally true. You could change carrer fields. Get your CDL and become a truck driver. First year truck drivers can come close to 40K a year.

My take home pay is close to what you and your wife make a month...every two weeks.

[stewie]

Well that isn't totally true. You could change carrer fields. Get your CDL and become a truck driver. First year truck drivers can come close to 40K a year.

My take home pay is close to what you and your wife make a month...every two weeks.

dang. the military was definitley the wrong career for me then.

[DrMoab]

dang. the military was definitley the wrong career for me then.
It is one thing to be paid by the Government for a job you do there. It is another thing to work for a company that can not support it's own weight and requires the Government to support it to keep it afloat. I feel the same way about the Airline industry. If they can't keep their heads above water they should give the business to someone who can.

[Vertisce]

Well that isn't totally true. You could change carrer fields. Get your CDL and become a truck driver. First year truck drivers can come close to 40K a year.

My take home pay is close to what you and your wife make a month...every two weeks.
I am actually in the process of joining the Army...but I gotta lose about 50 lbs...but in the meantime we simply dont have the means to make ends meet. We did try to do a debt consolidation instead of bankruptcy...been doing that for a year and it just wasnt working out. My wife finally got a court summons and at the point we simply had to do it.

[DrMoab]

I am actually in the process of joining the Army...but I gotta lose about 50 lbs...but in the meantime we simply dont have the means to make ends meet. We did try to do a debt consolidation instead of bankruptcy...been doing that for a year and it just wasnt working out. My wife finally got a court summons and at the point we simply had to do it.
I hope you don't think you are going to get rich in the Army...Problebly make less money there then you are now.

[Vertisce]

I hope you don't think you are going to get rich in the Army...Problebly make less money there then you are now.
Not at all...the point is my wife has over 900 a month in medicine that she needs...which by the way is not a part of the 2700 we owe a month. The military will pay for all that...pay for housing and I would have a solid job where the only reason or way for me to be fired is if I really deserve it and get court martialled. (spelling?) That and at least I would be doing something worthwile with my life.

[XJEEPER]

May I ask what the medical conditions were/are that created all this debt?
I'm just trying to get my head around "no choices"......

[DrMoab]

Not at all...the point is my wife has over 900 a month in medicine that she needs...which by the way is not a part of the 2700 we owe a month. The military will pay for all that...pay for housing and I would have a solid job where the only reason or way for me to be fired is if I really deserve it and get court martialled. (spelling?) That and at least I would be doing something worthwile with my life.
Is your wife ready for you to Die on the job? Don't take that the wrong way. I just know that wives can be very funny about things like that.

I'm all for ya joining the Military. I just know it isn't right for everyone.

[Geepfreak]

You could change carrer fields. Get your CDL and become a truck driver. First year truck drivers can come close to 40K a year.

My take home pay is close to what you and your wife make a month...every two weeks.

Maybe I need to look into a CDL...

[0313]

Let me consolidate this thread....

You are in debt because of medical bills because you wife was sick and on her deathbed. You cannot fulfill this debt so your solution is filling bankruptcy and joining the Army. You cant join the Army right now because you are too....ummm...big and need to lose 50lbs. So obviously you have enough money to eat plenty.

Dr. Moab thinks you should get your CDL and drive truck because its more safe than the Army. TRNDRVR thinks you are crying too much. Stewie thinks he shouldnt have joined the AF and drove truck instead and now Geepfreak is thinking about a CDL. We still dont know what the sickness was.

Do you realize that the Military really really frowns on Bankruptcy? The Military is not the easy way out. If you cant make your bills now, you sure as hell wont when you are an E-1 or E-2. Do you realize you ARE on the verge of poverty when you are those ranks?

Also, you didnt finish school, where there is a will there is a way. Sounds like you are going for the easy way out with everything.

[stewie]

I am actually in the process of joining the Army...

take it from someone in the military. DO NOT join the army or marines right now. is truely sounds like you love your wife, and those two branches would put a huge strain on your relationship due to the amount of time you will be depoloyed to the middle east (12-18 months at a time with 2+ tours per enlistment). i talk to Army guys all the time who tell me they should have gone AF! thats something comeing from a hoah! type person. talk to your local Air Force recruiter before going back to that army bloke.

[Vertisce]

May I ask what the medical conditions were/are that created all this debt?
I'm just trying to get my head around "no choices"......
Endometriosis. My wife had it. Had to have 8 surguries and then a histarectomy...there were countless MRI's done, xrays, doctor visits, lots and lots of expensive doctor crap. We managed to pay off about 15k of the debt but still have 60k left to go. No insurance...state wont pay for it.

And no actually we dont pay for our food...her parents do. I am overweight due to some meds I was on a while back. Im steadily losing my weight. We also dont currently pay rent. But were moving into our own apartment cus were starting to have stress living with her parents being married and all. Not to mention we both drive an hour to work each day and an hour back home. So were moving closer to work.

[TRNDRVR]

not grasping and anything really. Just saying that you are saying there is no excuses for him putting a load on the rest of us yet you work for a company who does the same thing. Just seems a little hypocritical.Your argument is moot. (see below) Stick to the topic.Well that isn't totally true. You could change carrer fields. Get your CDL and become a truck driver. First year truck drivers can come close to 40K a year.

My take home pay is close to what you and your wife make a month...every two weeks.You don't want to get a CDL and become a truck driver, that'd mean you'd have to drive on our "Federally Subsidized" nation's highway system. That would be hypocritical!!! :gag: Let me consolidate this thread....

You are in debt because of medical bills because you wife was sick and on her deathbed. You cannot fulfill this debt so your solution is filling bankruptcy and joining the Army. You cant join the Army right now because you are too....ummm...big and need to lose 50lbs. So obviously you have enough money to eat plenty.

Dr. Moab thinks you should get your CDL and drive truck because its more safe than the Army. TRNDRVR thinks you are crying too much. Stewie thinks he shouldnt have joined the AF and drove truck instead and now Geepfreak is thinking about a CDL. We still dont know what the sickness was.

Do you realize that the Military really really frowns on Bankruptcy? The Military is not the easy way out. If you cant make your bills now, you sure as hell wont when you are an E-1 or E-2. Do you realize you ARE on the verge of poverty when you are those ranks?

Also, you didnt finish school, where there is a will there is a way. Sounds like you are going for the easy way out with everything.Brilliant!!! :worship:



On another note, I have had medical bills when I was younger and didn't have any insurance. I went to the hospital's accounting office and set up an 'interest free' payment plan. All you have to do is show an initiative to pay your medical bills, and I bet they'd bend over backwards to take your money. And if you say that you already tried that and it didn't work, I don't believe you. And no, I'm no longer 24, so you can't fool me with your sob story of your irresponsibility.

Also, when my oldest daughter died, after BOTH insurance companies were finished paying the claims, I still owed almost $20,000.00. Paid in full. It sucked, but it's done. But hey, that's just me. Thanks anyway!

[XJEEPER]

8 surgeries for endometriosis? Wow. When did it manifest itself?
Typical symptoms are extreme menstrual and ovulation pain, but are seldom life-threatening unless cysts develop which could become cancerous or the liver functions become effected, which is also rare. Most common side-effect is infertility.
Sorry to hear you folks had to go through this and didn't have a good job with good insurance to cover it.

My sis-in-law dealt with this for a while, finally just got a hysteroctomy and later adopted a couple of great kids.

Life is about choices, rarely does anything just "happen" to us that isn't a direct result of the choices that we make, although we can't merely decide to be healthy if there is a malfunction in our body chemistry.

Good luck with this and future choices.

[Vertisce]

8 surgeries for endometriosis? Wow. When did it manifest itself?
Typical symptoms are extreme menstrual and ovulation pain, but are seldom life-threatening unless cysts develop which could become cancerous or the liver functions become effected, which is also rare. Most common side-effect is infertility.
Sorry to hear you folks had to go through this and didn't have a good job with good insurance to cover it.

My sis-in-law dealt with this for a while, finally just got a hysteroctomy and later adopted a couple of great kids.

Life is about choices, rarely does anything just "happen" to us that isn't a direct result of the choices that we make, although we can't merely decide to be healthy if there is a malfunction in our body chemistry.

Good luck with this and future choices.

My wifes endometriosis manifested when she was 12. Very young I know. She had the 8 lyproscopic surguries to get the crap out and then had one of her ovaries removed sometime inbetween those. Finally she basically had her period for 3 months straight and would come home and bundle into a ball on the floor and not move the whole night cus she was in so much pain. Finally said to hell with it and she had her histarectomy when the doctor told her that it was threatening her life. Now were to the point where we have to do the bankruptcy if we wanna move out on our own. We also have to do this if we ever want to adopt kids. Appearently there are some on this forum that cant understand how hard this really is. My wife and I have done everything we can to not have to do the bankruptcy. At this point we want to start over and we will with the bankruptcy.

[ladywolf]

if you DO decide to join the military, i would seriously consider looking at the air force or the coast guard. yes, i said the coast guard. way fewer deployments, less moving around, and in general they have great family plans. a/f also has better docs than the army. same with the navy. so you might want to take that into consideration.

[xj4moab]

Can you even file chapter 13 any more I thought Bush passed a law even if you file bankruptcy you still have to pay it back? I know Hospitals will work with you and can write off a lot. While they don’t do it all the time but one of my bosses kids wife had cancer they had a bill over 250,000.00 and the hospital wrote most of it off. They are one of the easier lenders to deal with at least stop the interest and begin the process of paying for it







As for the quote you really should get your life in order before you start a family.


[QUOTE. We also have to do this if we ever want to adopt kids. Appearently there are some on this forum that cant understand how hard this really is. My wife and I have done everything we can to not have to do the bankruptcy. At this point we want to start over and we will with the bankruptcy.[/QUOTE]

[SCW]

It is a sad time, I declared BR over 3 years ago after just under 1M in med bills. We didn't have much debt or even bills, but we were completley unable to pay the small amount we had.

Instead we lived hand-to-mouth without even a credit card for the past 3 years, minimal bills, never a car payment and a frugal as we can. Doing this I was able to put myself through school so that I could earn a living again, the cause of my med bill rendered me unable to ever work in my profession again (construction & farming), but now I make far more than I ever made there anyway. If we had never reached rock bottom, I never would have put my family through what we have done for the last few years, and we wouldn't have been the better for it.

BR can definatly teach good spending habits. We are FAR more stable now and still don't have a car payment, credit card, consumer debt, etc. If we want something, we either pay cash or don't have it. Period.

Good luck, BR can be a good start to a productive life, or the easy way out from consumer debt.

[0313]

Now were to the point where we have to do the bankruptcy if we wanna move out on our own.

Why dont you let them help you. Your wife is there daughter, I doubt they are going to turn their back on you and her. Suck it up and stay with them, they can help, let them.

We also have to do this if we ever want to adopt kids.

Yeah, bankruptcy always looks good on your records for adoption. Shows responsibility.

Appearently there are some on this forum that cant understand how hard this really is.

Thats because the people on the forum obviously dont agree with you. Welcome to people speaking their minds. Join the Army, you wont get much of that.

My wife and I have done everything we can to not have to do the bankruptcy.

Like pay the bills? Staying with her parents? Lowering your personal bills? Getting a second job? I dont know many of our dads that when we were growing up didnt have second or even third jobs. I know mine had 3.

At this point we want to start over and we will with the bankruptcy.

Bankrupcty isnt a start over, you can forget about a home loan, any type of loan, most apt complexs run credit checks as part of the move in process. The Army frowns on bankruptcy, in fact if you even bounce a check while you are in the Army, plan on an ass chewing, they will know. Even for me to get hired on with a police dept, they did credit checks, having bankruptcy is a disqualifier.



Since you seem to know more than anyone here (because none of these guys know what they are talking about), go ahead and do it. But dont ask for support or advice next time.

[Vertisce]

Appearently you dont get it. I have a second job...so does my wife. We have been living with her parents for 2 years. And we shouldnt be. We should be out on our own. We have been trying to pay all our bills. It simply isnt possible. And yes filing this bankruptcy IS starting over for us. And yes we WILL be able to get a home in the future. Yes we WILL be able to adopt kids. And to hell with the military. If they wanna be hardass's about my financial problems then let them. I don't give a shit. Were doing this because my wife and I need to start our own lives not spend it living with mom and dad at the age of 35.

[DrMoab]

Appearently you dont get it. I have a second job...so does my wife. We have been living with her parents for 2 years. And we shouldnt be. We should be out on our own. We have been trying to pay all our bills. It simply isnt possible. And yes filing this bankruptcy IS starting over for us. And yes we WILL be able to get a home in the future. Yes we WILL be able to adopt kids. And to hell with the military. If they wanna be hardass's about my financial problems then let them. I don't give a shit. Were doing this because my wife and I need to start our own lives not spend it living with mom and dad at the age of 35.
Ya know...I started out defending you because it sounded like you truly were in a hardship case but. You both have two jobs and you are only bringing home 2500 a month? Something doesn't add up there. One of you should be able to make that DELIVERING PIZZAS!. Sorry but now you are sounding just plain lazy.

You come on here with a sob story (why in Gods name would anyone do this on the internet anyway?) and then won't listen to what ANYBODY says...even though most of them are older and wiser then you. You then do something totally stupid like keeping the newer car with higher payments and selling your older stuff. It is no wonder you can't get ahead in life.

You want to join the Army but you are too fat...you want to Adopt a baby but you can't even pay the bills you have now. Sorry dude but you are living in a fantasy world.

Grow up and take some responsibility. Bankruptcy may be an option but the more I hear the more I realise your problem is just immaturity and laziness.

[Vertisce]

Well...im done trying to defend myself. If you cant understand why were both bringing home a total of 2500 a month after taxes with us both having two jobs then you must think minimum wage is a lot higher than it is. Even with us both at $10 an hour which we arent...its only 1600 a month each...take out the 400 in taxes and together its about 2400 a month. We work an hour away from home so we both get up at 4 am are at work by 6am. off at 2:30 and home by 3-4 pm. We then have very little time to eat and do whatever before going to bed for work the next day. Both our second jobs are minimum wage on our two days off...that dont make much at all. As for being Lazy...Ive lost over 50lbs in the past 4 months working out 4 days a week and eating right. As for keeping the newer car...we cant declare that in the bankruptcy because its under her mothers name but we pay for it. Thats why I was giving up the Jeep. Again im not gonna waste anymore time defending myself and explaining everything we have done to prevent this. This thread was NEVER meant to be a SOB case and it still isnt. All ive done is defend myself nonstop from attacks and questions by people who dont understand the situation. If you can afford college and get paid more than 10 bucks a month then good for you. Not everybody makes as much as you do.

[DrMoab]

If it wasn't made to be a sob case then why in the hell did you bring it up in the first place. And why are both of you only making ten bucks an hour. There are jobs out there TONS of them where you can make lots more money then that. You just have to APPLY yourself.

Remember. If you don't like peoples opinions then DO NOT POST THIS CRAP UP ON THE NET!

THis thread is done.