Do you think this is shitty or smart?

[thekid65]

So, you're talking out your ass. Based on some type of perception. Understood.

I challenge you to relate from personal experience that it's just as easy nowadays to declare a chapter 13 bankruptcy, as it was 10 years ago.

Sorry to hear your life got so fucked-up you needed to declare bankruptcy.

I'm not a credit rating agency, dumbshit! I'm a fucking accountant. I strictly work with ratios and . . . just like credit ratings, they too, are guidelines.

Chapter 13 . . . you gotta be kidding! It's 7 now days. Hell . . . creditors don't even show up to the 341 meeting. Trustees schedules 15 minutes for each petitioner. It's a fucking cattle call!

How do I know what I'm talking about? My clients have debtors who file bankruptcy to avoid paying.

My job, since attorneys charge a minimum of $2,000 grand just to review the petition is to 'audit' the P & L Statements accompanying the petition, review the Fed Tax Returns and review the list of creditors.

I've sat in on so many 341s and Rule 2004 exams I could write a book on every dumbass explanation for errors within the petition and financials. And you know what? The trustees don't give a shit!

They look for one thing . . . the means test. Period.

And how do I know about the credit scores being elevated so quickly? Because I have assisted my clients in proving to court that the debtor committed fraud, up to a year after discharge.

And since the douchebag is a judgment debtor, my client can legally run a credit check on the sonofabitch.

Guess what, princess? The three times it was done for three different debtors, their credit scores (from the major reporting agencies) were better than before they filed for bankruptcy!

Now tell me . . . besides your one trip to the dance, how much fucking experience do you have in this subject?

Don't be sorry, I caused my own problems...and dealt with them accordingly. My creditors back then.,,also did not show up at my hearing. And I've had 1..to what seems to be your zero. All you look at are numbers...and your basing your comments on 3 of your clients experiences.

You're a fucking bean counter. You have no experience in the courts as it relates to bankruptcy hearings, nor does it sound like you've ever "been there, and done that".

Gee, out of the 100's of thousands of folks that have filed for bankruptcy over each year...you're making your statements based on 3. Nice going. Glad you don't deal with statistics...or do you? (shudder). Couldnt quite cut it as an actuary?

And, as I'm willing to admit my mistakes, I had the chapter 7 (total debt discharge) and chapter 13 (being able to repay/re-organize some of your debts..house, car, etc) bankruptcies reversed in my pea-brain..which makes my point. Chapter 7 is a lot harder to do nowadays then when I filed. Simple as that. Of course creditors arent going to show up at a chapter 7...they'll write it off. But at a chapter 13, they'll probably show (depending on the amount of $$ involved) in order to get a re-structured payment.

Also, when you talk about "clients running a credit check". You're obviously not talking about the average Joe who bit off more than he can chew, or had overwhelming medical bills, got divorced, etc, etc...you're talking about someone/business who needs to run a credit check..something the average guy never has to do.

You have no clue...I'm talking about Joe Blow (read the fucking OP, we're discussing a homeowner..nothing more) with my statements here...not businesses that can afford a 2k/hour attorney. Get in touch with the real world, willya?