
Originally Posted by
alwaysamission
Short story: default on the 13, get it changed to a 7 and you're done in 90 days. Either way you're stuck with an empirica of about 535, but you don't have to wait five years +. As a 7, life is simple: you keep it, you pay for it. You give it back, you don't pay for it. It won't be long before banks court you again because you now have no financial obligations and you're income hasn't decreased (all other things being equal). Thus, you have a shitload of disposable income and you can't file BK7 again for seven years. You're beautiful. If you want to be even more cute, stash a couple grand for several months so you can buy yourself a car and pay cash. Remember that any financial transaction performed within 90 days before your filing. Four months down the road you can rest assured their are institutions that will finance you, but you'll pay 19% for a car loan and your first credit card will be secured with a $500 limit.;D
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