tag:blogger.com,1999:blog-11315807.post6128454238179091348..comments2023-10-29T08:58:12.172-04:00Comments on Prone to Whimsy: The Perfect StormJenny Jenny Flanneryhttp://www.blogger.com/profile/07621715431584059448noreply@blogger.comBlogger9125tag:blogger.com,1999:blog-11315807.post-11490152218038329302011-03-15T14:26:26.501-04:002011-03-15T14:26:26.501-04:00I'm technically a banker. :( Yeah, the ones wi...I'm technically a banker. :( Yeah, the ones with power are just as heartless to their peons as they are to the public.<br /><br />Strangly enough, the hearing is the easy part. What's difficult about bankruptcy is that over the next ten years, any credit card offer you get will be crappy. When I went through my bankruptcy in 2000, my attorney told me to close all of my credit accounts. Two of my creditors offered me deals. Against my attorneys advice, I took them. Thank God I did, because one offered to cut limit from $5000.00 to $200.00 and keep the same interest and the other offered to cut down my credit limit from $10,000.00 to $700.00 and also keep my interest rate which was about 14% and neither card had a yearly fee. You would think that's bad, but after the bankruptcy, the only credit cards I qualified for were at 26-29.99% interest and yearly fees between $50.00 and $75.00. In order to rebuild credit, you have to have credit. Had I not kept the cards I made deals with, the only option to rebuild would have been to take up with one of these cruel deals. It's a good thing to trust your attorney, it's also a good thing to trust your own insticts. <br /><br />Eleven years later, I have "fair" credit. You'll rebuild, too. It just takes time.E.V. Beebehttps://www.blogger.com/profile/00120162409028510427noreply@blogger.comtag:blogger.com,1999:blog-11315807.post-11119051815481252182011-03-14T08:18:13.711-04:002011-03-14T08:18:13.711-04:00Amen, girl.Amen, girl.Jenny Jenny Flanneryhttps://www.blogger.com/profile/07621715431584059448noreply@blogger.comtag:blogger.com,1999:blog-11315807.post-72615271094678474042011-03-14T00:44:04.605-04:002011-03-14T00:44:04.605-04:00Good get a load off your shoulders on that though...Good get a load off your shoulders on that though. lesson leanred the hard way, but still lesson learned. :)gennifer6https://www.blogger.com/profile/12056581384747747528noreply@blogger.comtag:blogger.com,1999:blog-11315807.post-29036560213828016862011-03-12T10:09:03.130-05:002011-03-12T10:09:03.130-05:00Capn: I'd like to think that I could circumven...Capn: I'd like to think that I could circumvent the last minute stuff with planning. But there's always something, isn't there. <br /><br />Thanks, BB, and good luck finding your papers! <br /><br />SD: Thank you, friend. <br /><br />Dale: I felt like I was living out an opera that day. I'm just really glad no one had to get stabbed. <br /><br />CP: Thank you! And, oh, the urge to start a spiel was strong. But if you think about it, there's probably nothing I could say that wasn't already going through Doc's head.Jenny Jenny Flanneryhttps://www.blogger.com/profile/07621715431584059448noreply@blogger.comtag:blogger.com,1999:blog-11315807.post-31521700263308253732011-03-11T23:09:47.714-05:002011-03-11T23:09:47.714-05:00I second Dale with the "banker's heart&qu...I second Dale with the "banker's heart" line - that was good.<br /><br />I am very happy and impressed that you held it together about the lost SSN card. It reminds me of the morning that PG and I were leaving for a trip abroad. About 30 minutes before we were to go to the airport, PG announced that he didn't know where his passport was. (This trip had been planned for almost a year.) I resisted the strong urge to start in on the "I can't believe you didn't notice this earlier" spiel, but like you in this example, I realized that was going to do absolutely no good in any way. And then 5 minutes later he found the passport. I think the universe was rewarding me for not being a bitch.<br /><br />Good luck to you two!Coaster Punchmanhttps://www.blogger.com/profile/12587366749348273040noreply@blogger.comtag:blogger.com,1999:blog-11315807.post-15057442932839736752011-03-11T21:28:51.066-05:002011-03-11T21:28:51.066-05:00You had me at "emptier than a banker's he...You had me at "emptier than a banker's heart". And now my heart is full!Dalehttps://www.blogger.com/profile/10769930056412752986noreply@blogger.comtag:blogger.com,1999:blog-11315807.post-46812940825395952692011-03-11T16:19:20.059-05:002011-03-11T16:19:20.059-05:00Best wishes to you and Doc, and I hope your load l...Best wishes to you and Doc, and I hope your load lightens!SkylersDadhttps://www.blogger.com/profile/18264164502733912326noreply@blogger.comtag:blogger.com,1999:blog-11315807.post-44225001932258985072011-03-11T01:45:22.173-05:002011-03-11T01:45:22.173-05:00We spent the next couple of unhappy hours going th...<i>We spent the next couple of unhappy hours going through the remaining unpacked boxes...</i><br /><br />I don't know if this sounds crazy but this reminded me that I have not seen my National Guard retirement papers in several years. At work now but sometime this weekend I have to find those bad boys.<br /><br />Best wishes to you and Doc.Commander Zaiushttps://www.blogger.com/profile/11000824454124236774noreply@blogger.comtag:blogger.com,1999:blog-11315807.post-68538808635185583422011-03-10T22:57:54.365-05:002011-03-10T22:57:54.365-05:00I'm still stuck at the "After dragging my...I'm still stuck at the "After dragging myself through a morass of phone tree options, I finally spoke to a person" line... I'm having trouble comprehending that you actually SPOKE to someone at the office... that's never happened to me before... E-V-E-R.<br /><br />Besides, I think it's part of the way God has set up the Karass we're all in that things simply HAVE to be done @ the last minute in a white-heat of semi-panic and ruthless efficiency. It's been that way since our C.S.U. days, so why should we begin to buck the system NOW?Cap'n Ergo "XL+II" Jinglebollockshttps://www.blogger.com/profile/06843124493633147728noreply@blogger.com