WTF Ever considered bankruptcy?

Discussion in 'The Howard Stern Show' started by x76, Jan 20, 2016.

?

Pepper cheese?

  1. Hell yes

    8 vote(s)
    32.0%
  2. No opinion

    6 vote(s)
    24.0%
  3. Frightening dairy product

    1 vote(s)
    4.0%
  4. I'd try it

    4 vote(s)
    16.0%
  5. wtf is pepper cheese?

    6 vote(s)
    24.0%
  1. x76

    x76 Well-Known Member

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    I almost wrote "contemplated". It seems like a huge failure, then I think of the banks charging me 17% interest on a credit card, one of the "too big to fail" banks... their CEO would probably not miss any meals if I filed for bankruptcy. I keep asking them "based on my credit/payment history, do I qualify for a lower rate?" and they insist that's out of the question, so just based on the sheer FU quotient that makes it tempting to say "No, fuck YOU". Just something I'm rolling around to avoid doing work this morning.

    Howard related: his show has been bankrupt of emotion and entertainment for years. When does he interview Imus? kraft.jpg
     
  2. Mark Mayonnaise

    Mark Mayonnaise You look like a tree! VIP

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    I love cheese
     
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  3. Walygatr

    Walygatr Well-Known Member

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    Consider? My second wife threw me into a financial tail spin. Had no choice. Wouldn't want to go through it again.
     
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  4. yosemite sam

    yosemite sam VIP Extreme Gold

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    I did a lot of financial counseling and sometimes its the best option. Your credit score is shit at this point anyways if you are considering
    it. Things to remember: no free homes, cars and cant write off student loans. Also I would not recommend it for someone who is thinking about buying a house since the bankrupcy stays with you for 7 years. If you need help shoot me a pm.
     
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  5. Wangold

    Wangold Well-Known Member

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    Never!
     
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  6. Captain

    Captain Alto, Blanco y Guapo Gold

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    Keeps me gainfully employed. Thank you to every 'murican who lives beyond their means.
     
  7. yosemite sam

    yosemite sam VIP Extreme Gold

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    A lot of people have lost their jobs and have fallen on hard times. Its not just teeny boppers maxing out daddy's plastic. Let those fuckers feel the pain :hhh:
     
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  8. stanggirl

    stanggirl There's no replacement for displacement

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    I thought about letting them foreclose on my condo that I'm underwater on.

    A guy at work explained it to me in a way that gets you pissed at the banking Industry. ..and fuck them

    foreclose on me...I'll save that money and use it in a few years along with a 401k loan to buy something cash

    But then, my brother and my now husband listed all the cons of doing that
     
  9. Ronniecheated

    Ronniecheated Well-Known Member

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    Im a bankruptcy attorney so I love this post.
     
  10. ScottBaiosPenis

    ScottBaiosPenis Well-Known Member

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    man it was almost too good to be true back before GW Bush fucked around with it. now its a little harder and more onerous but the great thing about America you never have to pay anyone you dont want to
     
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  11. Wangold

    Wangold Well-Known Member

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    Bankruptcy attorney's should be made to extend credit to bankruptcy clients for their attorney's fee. :pissed:

    Fuck everyone you owe money to but pay me.
     
  12. joemama

    joemama Well-Known Member

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  13. Ronniecheated

    Ronniecheated Well-Known Member

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    Lol I take debt cards, cash and checks. Damn checks bounce all the time.
     
  14. bdbx18

    bdbx18 Well-Known Member

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    In laws did. Before the financial meltdown, they were giving out home loans like toasters so they had no problem buying homes again. I don't know about now.
     
  15. Tipsey Russell

    Tipsey Russell VIP Extreme Gold

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    no
    my life is not that thrilling
     
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  16. greenchiclets

    greenchiclets Well-Known Member

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    I did it twice. Fucking wife drains me.
     
  17. shamrackle

    shamrackle Well-Known Member

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    My credit card debt has had me considering bankruptcy, but I'm gonna try financial counseling first, just keep procrastinating about it.
     
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  18. Kool

    Kool Well-Known Member

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    I tried but couldn't...my loans didn't qualify...but years later I got a new higher paying job and paid off the loans
     
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  19. Ronniecheated

    Ronniecheated Well-Known Member

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    Dont fall for debt settlement scams! If you have over 10k in credit cards and making minimum payments only it could take 20 ears to pay it off. If you qualify for chapter 7 (assets and means testing) then you could be debt free in 5-6 months and pay less then 2k in attorneys fees. So it stays on your credit report for 10 years but if your thinking of bankruptcy your score is probably already poor. Since you cant file a chapter 7 again for 8 years you'll get flooded with offers for new credit cards and car loans! I know it sounds crazy but its true the very same companies that were suing you know what you back as a customer!
     
  20. Gear Jammer

    Gear Jammer Well-Known Member

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    Did it in '09 (in Canada). Our situation tanked when my old boss cut my pay and I was forced to quit. My alcohol problem didn't help either.
     
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