Options

I spoke with my attorney this morning, at an hour when most unemployed people are still asleep, and we discussed my options with my bankruptcy arrangement. To sum it up, they all suck.

Option 1: I convert from a chapter 13 to a chapter 7. I lose my car but am able to add the new debt to the bankruptcy and get rid of it.

Option 1A: Same as above except I pay what I owe to this date on the car, minus what the trustee paid, then resume regular car payments. I don't know what the exact figure would be but I estimate between 1,000 and 2,000 dollars are owed on the car to get the payments up to date. Also, the car payments are only about $100 less than what I pay to the trustee.

Both option 1 and 1A come with a $700 attorney fee plus court fee of $25.

Option 2: Surrender my......as I was writing this I was interrupted by my older cat, Punkin, having a seizure. It is her second one of the day which is unusual for her since she usually has them at night and rarely more than once a week or so, that I know of. She recovers quickly but, while in the middle of the thrashing about, it scares me. I've had her for 15 years, almost as long as I have been in California, and I don't want to lose her. I also feel guilty because all I can think about is "be okay because I can't afford to take you to the vet".

While this incident certainly puts things in perspective, I still don't know what decision to make about my bankruptcy. Basically, in order to save any money, I have to give up my car. With no car, how do I function? I don't exactly live in a city with a good public transportation system and now I am thinking about Punkin having an emergency and me not being able to get her to the vet quickly. I can't afford my current situation but I can't afford to lose my car. I just don't know where to go from here so for now I am just going to hold onto Punkin and be thankful that she is okay.

As the ship sinks

I just read the comments on my last couple of posts and, first, I want to thank you for your good thoughts, second and please be sure you are sitting down for this, I agree with Waffles. The ship is sinking, the lifeboats are full, go down doing something you love instead of living those last few moments in fear and anxiety. Just like the scene from Titanic. The string players pause, realize they aren't getting off the ship, and go down playing their music. I don't think I fully understood that scene until now, I just thought they had given up, but they hadn't. They knew the outcome was grim and they made a choice.

That said, I'm not going down without a fight, I'm just not going to work myself up into a panic or a deeper depression. I'm going to take things one day at a time and weigh all my options. The first option being converting my bankruptcy to a chapter 7, or at least discussing it with my attorney. I can't afford the trustee payment and I have debt collectors breathing down my neck, when you combine that with the little amount of money I'm getting from unemployment, I think I have a good chance of qualifying.

I don't know if this will free up any money for a trip to Vegas, but it will relieve some of the pressure. Then, I can reevaluate and figure out how to make Vegas possible. Like the last couple of trips, I won't be eating in any expensive restaurants or buying much alcohol but I should be able to make do with whatever I can scrape together because, quite honestly, I need this trip.

Post Script

I'm sure some people have read my previous post and thought, "why is she sharing such personal information. Does she want sympathy, pity or something else?" I think my reason for revealing my true financial situation is because I needed it to be real. It is in writing, others have read it, people know my situation, and I can't pretend it doesn't exist anymore. I still have no idea what to do or how to fix the mess but it's out there and I can't ignore it.

I actually felt some relief after I posted it, like a weight had been lifted off my shoulders. While people have known I am short on money I think I did a fairly good job of hiding just how bad it has been. The fact that it is getting worse instead of better has to be dealt with before I'm in a hole I can't get out of, though it may already be to late.

No matter what I do I can't get ahead. No one will hire me and any money I earn from Mystery Shopping or other freelance work has to be reported to unemployment, at least legally. What that means is I get less in the unemployment check and really don't earn any more money than if I sit on my ass all day playing around on Facebook. It means I can't actually afford to go to school, unless I agree to a program approved by unemployment and even then I have to use that money to pay for it so I'm still not getting ahead. It also means that I have no business going to Vegas in December as there really is no money available. I can't justify the trip but I can't miss it either. My head and my heart are struggling over this and it is tearing me apart. I need this trip but I can't justify it.

I keep trying to tell myself that if I can make some extra money I can go on the trip but honestly, any extra money should go to the debt collectors or in my savings to be applied to the bankruptcy. While Vegas is always good for my mental health in the short term, the guilt I feel over spending money that should be applied to the bills ends up making it worse in the long term. So, do I not go to Vegas and succumb to the sadness of having nothing to look forward to or do I scrape together the money, have a good time, then succumb to the guilt of spending money on something fun? Or maybe I pray for a miracle? I just don't know.

Overwhelmed

I haven't written here much over the last year because I don't like to fill my blog with all the crap that is a part of my every day life. I have been unemployed for a year and a half, I declared bankruptcy at the same time I lost my job, since declaring bankruptcy I have incurred medical debt that is now in the hands of collection agencies and on top of that I have clinical depression. All are things I really don't like to talk about but are such a huge part of my reality I don't know what else to do. So, I bottle it up, tell everyone "I'm fine" and wait until the day when I'm up against a wall and can no longer pay any of the few bills I have left. It's coming soon, I can feel it.

When I declared bankruptcy I didn't select the chapter 7 everything goes away kind, I selected chapter 13 which means I pay a certain amount of money every month to a trustee who pays the few bills it was decided I would continue to pay (mainly my car). Everything else was discharged, but every month, for 5 years, I have to pay a set amount of money that is almost the equivalent of one unemployment check. This leaves me with about the same amount to pay car insurance, medical insurance, gas, food, and a few other things I can't remember at the moment. Basically I am living on less than $1000 a month and only because my dad has waived my rent and I am ignoring the collection agencies. Last month I actually waived my bankruptcy payment (something I can do once, maybe twice within the 5 year period) because the money wasn't there.

Now it is looking like I may not have the money for this month's bankruptcy payment because I have to wait on a telephone interview with unemployment regarding me taking 1.5 college credits. I'm not supposed to take classes without their permission and it has to be in a program that they approve. Unfortunately the one program I want to study, Veterinary Technology, is not one they will approve because it is a 2 year program and they will only allow the unemployed to take programs that are 1 year in length. It is a messed up system and I am hoping that since I'm not currently taking classes full time, I will be okay. Problem is, I don't get another check until they make a decision and if they decide I'm violating the rules, I won't get another check.

This all leaves me wondering who in their right mind would still even consider going to Vegas when they can't even pay their monthly bills. This is where I become so overwhelmed I just about lose what little sanity I have left. See, Vegas is not a decision I make with my head, it is one I make with my heart. The anticipation of this yearly get together gives me something to look forward to and a reason to get out of bed. It gives me a reason to continue applying for jobs even though I never get called in for an interview. It is really the only thing left keeping me from giving up (I'm not talking about suicide but more about detaching from reality). If I make the logical choice, the obvious choice, what do I have left to look forward too?

I really don't know what to do. Plane tickets are bought and a hotel is booked but I owe someone else for the tickets and can't, at the moment, pay for even my half of the hotel. Then there is food and a poker tournament plus other expenses that may come up. This is when I wish money grew on trees because I would pay off the bankruptcy, pay off the bill collectors and make my dad happy by paying rent again. I feel like I am drowning and just when I might be able to take a breath, something pushes me under again.

This is why I stopped blogging. No one wants to read about my crap, not even me.