destruction of america

[Thomas Perkins]

Whether you lose your home in bankruptcy depends on the type of filing (Chapter 7 vs. Chapter 13), the amount of equity you have, and your state's exemption laws. In Chapter 7, the trustee can sell your home to pay creditors if equity exceeds your exemption. In Chapter 13, you can keep your home by including arrears in a repayment plan. 

Debt.org

Debt.org

 +5

Key Factors in Keeping Your Home

Homestead Exemption: This legal rule protects a specific amount of equity in your home from creditors. If your equity is lower than the exemption amount, the trustee cannot sell your home.

Equity Amount: If your home has significant equity over the exemption amount, a Chapter 7 trustee may sell it to pay off debts.

Mortgage Status: You must be current on mortgage payments. Bankruptcy does not wipe out voluntary liens (mortgages); if you fail to pay, the lender can foreclose regardless of bankruptcy. 

Anthem

Anthem

 +4

Chapter 7 Bankruptcy

If you have high equity and cannot exempt it, your home could be sold. However, many homeowners with moderate equity and steady payments keep their homes by: 

Using exemptions to protect equity.

Reaffirming the debt (agreeing to keep making payments). 

Rocket Mortgage

Rocket Mortgage

 +1

Chapter 13 Bankruptcy

Chapter 13 allows you to keep your property. It is a reorganization plan where you: 

myFICO® Forums

myFICO® Forums

 +1

Catch up on missed mortgage payments over 3–5 years.

Pay off any non-exempt equity portion to unsecured creditors. 

Saedi Law Group

Saedi Law Group

 +3

If you are behind on payments, filing for bankruptcy can stop a foreclosure sale temporarily through an automatic stay. Consulting with a bankruptcy attorney is crucial to determine if your home is protected in your specific state. 

Anthem

Anthem

 +4

 

[datzenmike]

1 hour ago, Thomas Perkins said:

Method and Mobility: China utilizes Mobile Execution Vans to carry out lethal injections immediately after a sentence is final, particularly in rural areas. This infrastructure is designed for efficiency and speed.

 It's way more than that. The organs are harvested for BIG money. In fact they probably don't care much if mistakes are made. Life is cheap in China where there are 1,400,000,000 people. 

[Thomas Perkins]

17 minutes ago, datzenmike said:

 It's way more than that. The organs are harvested for BIG money. In fact they probably don't care much if mistakes are made. Life is cheap in China where there are 1,400,000,000 people. 

I think that is why so many people here are missing.Also not good to have organ donor on your driver license.You use to get your driver license here in Georgia cheaper if you are a organ donor and it said it on your driver license.They dont do that any more.Also must take a eye exam at the age of 65 and older here.And if you wear glasses or contacts it will say it on license.Something new here.I wear contacts.Best to not to tell them but no one knows that they will put it on license.So if you get pulled over and  your license says you wear glasses and your not wearing them.Then what?It does not say contacts on license. If you flunked your eye exam three times.You will have to go to a eye doctor and get a exam.He may say you cant drive.Guess what?So if he says you cant drive.Does that include a Bicycle?lol.Cause your still driving on the road.

Edited April 25 by Thomas Perkins

[frankendat]

9 minutes ago, Thomas Perkins said:

I think that is why so many people here are missing.Also not good to have organ donor on your driver license.You use to get your driver license here in Georgia cheaper if you are a organ donor and it said it on your driver license.They dont do that any more.Also must take a eye exam at the age of 65 and older here.And if you wear glasses or contacts it will say it on license.Something new here.I wear contacts.

I thwarted big brother's plan by abusing my body to where no one would want it and I am an organ donor--HA

[Thomas Perkins]

2 minutes ago, frankendat said:

I thwarted big brother's plan by abusing my body to where no one would want it and I am an organ donor--HA

They dont know or care.They will still get paid.Kidneys are a big money item.

Edited April 25 by Thomas Perkins

[frankendat]

20 minutes ago, Rustbin said:

 

But it's not real Communism, like Marx have envisioned, more like the "Animal Farm" version, everyone is equal but some are more equal that others. 

Animal farm Communism is the only kind that has made it into government

[Thomas Perkins]

If you are a organ donor.Shouldnt they pay you while your alive.If you give it away for free.The person receiving it has to pay.So how much is a used kidney go for.

Edited April 25 by Thomas Perkins

[frankendat]

1 minute ago, Thomas Perkins said:

They dont know or care.They will still get paid.Kidneys are a big money item.

I take medication for reduced kidney function and kidney failure was what ultimately killed my father. At least in the United States my kidneys are no bueno. China might take them, but I have neither the money nor the desire to go to China.

[Thomas Perkins]

I am in stage 3 on my kidneys.

[frankendat]

2 minutes ago, Thomas Perkins said:

If you are a organ donor.Shouldnt they pay you while your alive.If you give it away for free.The person receiving it has to pay.

If I am dead, take what you need and be happy (just remember it is like being thankful for a new set of bald tires, nice if you are without tires, but not nice)

[frankendat]

1 minute ago, Thomas Perkins said:

I am in stage 3 on my kidneys.

You win :)

[Thomas Perkins]

I also had a blood clot in my right leg.I take blood thinner.I take elequis. I take Jardiance.Also bad thyroids.I spend a lot on health insurance.

Edited April 25 by Thomas Perkins

[frankendat]

3 minutes ago, Thomas Perkins said:

I am in stage 3 on my kidneys.

If I die first then you can have mine. 

[Thomas Perkins]

1 minute ago, frankendat said:

If I die first then you can have mine. 

Deal.Sign here x.....

[bottomwatcher]

47 minutes ago, tr8er said:

Right, you can’t include the debt.  But I don’t think they can take your house away to cover the debt either.  So my curiosity is with property tax delinquency.(not bk filing) I wonder if they can take your primary residence.  

Depends where you live. Florida has been a haven for ill gotten gains, doctors worried about malpractice or anyone concerned of being sued because whatever happens they can't go after your home. OJ Simpson was a prime example. Bury all your money to your primary residence in Florida and you can be sued but your home can't be touched.

[frankendat]

2 minutes ago, Thomas Perkins said:

I also had a blood clot in my right leg.I take blood thinner.I take elequis. I take Jardiance.

I HATE blood thinners, so I made a deal with my Dr. If I give blood every month and prove it by getting my blood thickness checked when I give blood and take an asprin a day. So far, no blood thinners.

[datzenmike]

Geez you two are falling apart.

 

54 minutes ago, Thomas Perkins said:

I think that is why so many people here are missing.Also not good to have organ donor on your driver license.You use to get your driver license here in Georgia cheaper if you are a organ donor and it said it on your driver license.They dont do that any more.Also must take a eye exam at the age of 65 and older here.And if you wear glasses or contacts it will say it on license.Something new here.I wear contacts.Best to not to tell them but no one knows that they will put it on license.So if you get pulled over and  your license says you wear glasses and your not wearing them.Then what?It does not say contacts on license. If you flunked your eye exam three times.You will have to go to a eye doctor and get a exam.He may say you cant drive.Guess what?So if he says you cant drive.Does that include a Bicycle?lol.Cause your still driving on the road.

 

Wore glasses for over 60 years but a few years back had cataract surgery. So they just put corrective lenses in at the same time. I just checked my license ran out yesterday and it says must have corrective lenses. Does not say glasses so should be ok. Gotta renew my license. Fuck!!!

[Rustbin]

7 minutes ago, datzenmike said:

Gotta renew my license. Fuck!!!

 

It's a bit of a walk to the licensing office, do you have a ride?

[datzenmike]

Thanks for the offer but I'll get my wife to drop me off at the access center and I can easily walk home from there Tuesday. It's only 5k along the RR tracks. Hopefully they don't want any eye exams BS. When my dad was in his 80s they started to throw road blocks against his renewal. It's to keep 90 years olds from driving. Discrimination! He let it lapse and had my sister in law take him shopping. Car at the time only went a few hundred klicks a year anyway. 

[Rustbin]

57 minutes ago, datzenmike said:

When my dad was in his 80s they started to throw road blocks against his renewal. It's to keep 90 years olds from driving. Discrimination! He let it lapse and had my sister in law take him shopping

 

When they brought out those rules I though they should test everyone, regardless of age, because I would see people of all ages doing stupid things, and looking like they don't know how to drive. 

[a.d._510_n_ok]

[datzenmike]

Patel is cut from the same cloth as all of Trump's lackeys. Competency takes a back seat to being a good ass kisser. Hegseth is a fucking drunk also. 

 

 

 

The war will last up to 6 weeks but it's 8 weeks now and not the slightest end in sight. You are no tactician and should have surrounded yourself with experts and listened to them. No one in Iran wants to talk to you, Donny, but you send a delegation to Pakistan for peace talks but Iran is not going so you have to cancel it in embarrassment. Again. The Straight is closed, it's open! no no it's closed now open but Iran has closed it. Ships are under military protection but Iran captures one. You have a tiger by the tail now Donny and dare not let go or it will maul you. I think Iran has already done that.  

[Thomas Perkins]

16 hours ago, frankendat said:

I HATE blood thinners, so I made a deal with my Dr. If I give blood every month and prove it by getting my blood thickness checked when I give blood and take an asprin a day. So far, no blood thinners.

I have to take it for 2 reasons.My blood clot in my leg and my Heart.I have a low Heart pulse rate.It is in the low 50"s.Sometimes lower.Should at least be 60.My Heart doctor recently told me to stay on it even if the blood clot Doctor takes me off of it.I have to take it twice a day.Not cheap.My insurance helps.I am not allowed to take aspirin or anything that helps pain.On high pressure medicine too.My Dad died of a blood clot. I also take Folic acid.And B12 and sleep medicine cause of my bad kidneys.Cant go to sleep.It is a narcotic. Just trying  to stay alive.I get blood work every 3 months.They check everything.

[Thomas Perkins]

17 hours ago, datzenmike said:

Geez you two are falling apart.

 

 

Wore glasses for over 60 years but a few years back had cataract surgery. So they just put corrective lenses in at the same time. I just checked my license ran out yesterday and it says must have corrective lenses. Does not say glasses so should be ok. Gotta renew my license. Fuck!!!

That is what it says on our's.My wife is fixing to have cataract  surgery on here eyes.It is 78 per eye with our insurance.She is having them a week apart.I will take her.You should be good.Do you have your paper work on your surgery?

[frankendat]

59 minutes ago, Thomas Perkins said:

I have to take it for 2 reasons.My blood clot in my leg and my Heart.I have a low Heart pulse rate.It is in the low 50"s.Sometimes lower.Should at least be 60.My Heart doctor recently told me to stay on it even if the blood clot Doctor takes me off of it.I have to take it twice a day.Not cheap.My insurance helps.I am not allowed to take aspirin or anything that helps pain.On high pressure medicine too.My Dad died of a blood clot. I also take Folic acid.And B12 and sleep medicine cause of my bad kidneys.Cant go to sleep.It is a narcotic. Just trying  to stay alive.I get blood work every 3 months.They check everything.

DatzenMike got it right, we're falling apart, but for entirely different and the same reasons. I have to keep my blood thin because of a HIGH heart rate. It hovers around 100 at rest. They gave me medicine to slow it down, but then I am tired all the time. I've been living fast, but somehow dodged dying young.