The plan

September 28, 2007 at 4:31 pm (Timeline)

Like I said before, our family is very visual. In keeping with that theme, my wife and I decided to give our family some kind of ‘light at the end of the tunnel’ metaphor and create a poster. We wanted it to include all of the money owed in our Chapter 13, with chunks the size of a single monthly payment. We plan to pay it off early, but we thought this would be the easiest way to visualize it.

My beautiful wife made it. This is that poster:

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(My youngest daughter made the person at the end that’s jumping for joy and saying, “Yay we’re out of debt”. She’s 8, and she’s in this to win this too)

As you can see, it includes our short-term plans for right after the bankruptcy is discharged, as well. Those plans include going to Disneyland. (I mean, if we’re going to have hope, let’s have some HOPE.)

The colored in ‘red portion’ is the payment that we have sent since this poster was put up. My wife colored one half, and I had the honor of coloring in the other. She chose to go with a very solid red. I chose to go with a red ‘skull and crossbones’ and a tiny ‘R.I.P.’. Oh, we’re killin that debt dead, baby.

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Finally … ?

September 27, 2007 at 10:59 am (Timeline) (, , , , )

Well, almost one year and $14,954.05 later, our chapter 13 bankruptcy is very close to finally being approved.

Almost.

Contrary to popular belief, that does not mean we’re finishing. It means this party’s just getting started.

We just got a letter from the court saying that the bankruptcy had been approved, and we got a letter from the trustee confirming the list of creditors and the details of each debt. We have a month to contest any of the amounts with the trustee, but it looks like we’re almost to the finishing line … so that we can actually start.

We filed our paperwork with the court on Friday, October 13th, 2006.

Today is Wednesday, September 27th 2007.

Gosh this has taken a long time.

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