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Speaker 1: Hey guys, welcome to this week's episode of the PhD podcast.

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Speaker 1: It is Your Girl, and I'm here with another exciting episode. UM.

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Speaker 1: I know a lot of people really like episode one.

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Speaker 1: I Fought Bankruptcy, and today we're gonna do a quick

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Speaker 1: queue and a with my guests from episode one. UM,

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Speaker 1: a lot of people were listening to me emails text

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Speaker 1: messages asking me questions for her to give to my guests.

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Speaker 1: I figured we can do a live episode of it

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Speaker 1: for you guys to have an idea if you're ever

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Speaker 1: in a situation where you feel like bankruptcy is an

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Speaker 1: option for you. So before begin this, doing a little housekeeping, UM,

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Speaker 1: make sure you've following me on all my social media platforms.

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Speaker 1: Is the Professional home Girl. Also, the website for the

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Speaker 1: Professional Homegirl is www dot the Professional Homegirl dot com. Um.

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Speaker 1: Also for the podcast. You can follow me on all

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Speaker 1: social media platforms the PhD Podcast, And last but not least,

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Speaker 1: I just launched my beauty line is doing really good.

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Speaker 1: I'm so excited. Everybody really like sip So the website

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Speaker 1: for that is w w W dot and a beauty

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Speaker 1: dot com. And you can also follow me on all

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Speaker 1: of my social media platforms eban A beauty E B

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Speaker 1: O N E B E A U T Y. All right,

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Speaker 1: so let's begin with this episode. You ready, Yes, I am,

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Speaker 1: all right. So the first question I received is how

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Speaker 1: long does the process to begin with found for bankruptcy? Um? So,

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Speaker 1: the process is really as long as you wanted to be,

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Speaker 1: especially if you're following the way that I did, which

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Speaker 1: was pro se. So if it's really as soon as

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Speaker 1: you can get your documents together. I filed in the

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Speaker 1: state of New Jersey, so I'm not exactly sure, um

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Speaker 1: at how long it will take to get the It's

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Speaker 1: a meeting of the creditors, which is basically like where

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Speaker 1: they bring you in a room and they like ask

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Speaker 1: you questions about like do you have a job, and

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Speaker 1: then you know, um or did you file taxes last year?

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Speaker 1: And none of your creditors really show up, um none

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Speaker 1: that I've heard of in any cases, Like my friend

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Speaker 1: that told me about it, in his case, it didn't happen.

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Speaker 1: I did tons of research online. A lot of people

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Speaker 1: just said at the meeting of the creditors is literally

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Speaker 1: just you know, a time where they just verified like

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Speaker 1: your income whenever you put on the paperwork they're just

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Speaker 1: verifying whatever you said like in person, and it's recorded.

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Speaker 1: So I guess that's where like the court records and stuff,

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Speaker 1: just to verify that whatever you put down when following

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Speaker 1: the paperwork is actually true. So once you submit the paperwork. Um,

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Speaker 1: for me personally, it took me like maybe a week

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Speaker 1: and a half to get my meeting of the creditors. Yeah,

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Speaker 1: so I would say that the whole process in total

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Speaker 1: maybe took me about two months in total, um. And

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Speaker 1: that was from yeah, and I mean I work full

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Speaker 1: time and i'mun the business, So that was between me

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Speaker 1: getting together all of my documents and you know that's

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Speaker 1: my own personal stuff. Um. And also you know, going

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Speaker 1: up to the actual place to following the paperwork. So

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Speaker 1: I had to go up to the courts um. And

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Speaker 1: and actually, like in in my situation, I had a

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Speaker 1: bunch of mistakes, Like I had to go up to

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Speaker 1: the court at least three times. So I mean not

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Speaker 1: two months. This is like elongated in some ways. Now.

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Speaker 1: Question number two I had a listener on says, in essence,

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Speaker 1: do you start over with no credit or do you

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Speaker 1: start over with some credit? Yeah, in essence, you're really

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Speaker 1: starting over from the bottom. So it's not even really

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Speaker 1: like you have no credit because now the bankruptcy is

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Speaker 1: on your credit. However, it's reporting that you have zero

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Speaker 1: balances with all of your creditors, which looks good because

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Speaker 1: now you don't owe anybody and the debt to income

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Speaker 1: ratio is you know, more fixed. It looks a little

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Speaker 1: better now. Um. But another thing also like that I

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Speaker 1: found out in which is a process that I'm in

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Speaker 1: now because it's been a year since I've officially like

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Speaker 1: fouled bankruptcy. I discharged in March of last year, so

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Speaker 1: it makes one full year in March, and what I'm

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Speaker 1: in the process of now doing is deleting like bankruptcy.

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Speaker 1: So I've been spending my beginning of February getting together

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Speaker 1: all of my documents for that, which is basically like

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Speaker 1: dispute letters to dispute it um with the credit card agencies,

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Speaker 1: because technically the credit card and the credit reporting agencies

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Speaker 1: need to have they they just report stuff that they

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Speaker 1: find out, you know what I mean. So it's like

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Speaker 1: if you dispute a lot of the stuff that they

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Speaker 1: find out, or if I say, like, how did you

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Speaker 1: verify this bankruptcy? Like I know the court didn't tell

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Speaker 1: you about it because the records are still the court

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Speaker 1: isn't allowed to tell anybody about it. So how did

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Speaker 1: you get this information? They can't verify it through the court.

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Speaker 1: Like even if you send a letter through the court

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Speaker 1: asked telling the court like, oh, you know, I'd like

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Speaker 1: to verify my bankruptcy, they're gonna say, we don't do that.

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Speaker 1: And then you can take that letter and send it

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Speaker 1: to the credit card bureaus and say, well, how did

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Speaker 1: you verify my bankruptcy or how did you get this information?

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Speaker 1: Because the agency themselves is saying that they can't verify it,

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Speaker 1: which means that you had to go through a third

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Speaker 1: party agency to get this information. And I dispute that.

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Speaker 1: M hm. So that's what I'm in the process of

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Speaker 1: doing now. But you virtually start with nothing. However, you

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Speaker 1: are very appealing now to tons of new credit cards,

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Speaker 1: tons of car loans, sons of personal loans. Like I

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Speaker 1: would say that a soon as I filed, I got

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Speaker 1: tons of things in the mail. Um. And that was

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Speaker 1: I mean I got approved for like three credit cards, um.

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Speaker 1: And I've been it pretty much been working up from there.

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Speaker 1: But yeah, you're virtually starting over. Yeah. The next question

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Speaker 1: was how do you rebuild your credit from another from

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Speaker 1: another listener? Yeah, so pretty much. Um. Three things that

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Speaker 1: really helps you to build your credit is one your utilization.

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Speaker 1: Always making sure that whatever loans or credit cards or

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Speaker 1: whatever it is that you have out what mostly credit

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Speaker 1: cards mainly is that your utilization is always on the

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Speaker 1: thirty percent. So when I get a credit card, I

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Speaker 1: hook it up to something small like an auto paid

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Speaker 1: bill or something like my phone bill or my wife

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Speaker 1: fat bill, because it's really they're like the other building

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Speaker 1: I really pay, So I hook it membership or something exactly. Um. So,

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Speaker 1: depending on whatever that amount is of that um, whatever

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Speaker 1: the mountain is of the total amount of the total

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Speaker 1: card you like limit, you want to make sure that

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Speaker 1: your thirty always on the thirty percent of that because

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Speaker 1: that keeps your utilization down. The second thing is your payments,

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Speaker 1: like your late payments, so making sure that you never

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Speaker 1: pay late, like even if you're only paying the minimum,

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Speaker 1: always make sure that you're paying the credit card or

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Speaker 1: or even the loan or whatever it is on time.

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Speaker 1: And then like for me, what I did was also

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Speaker 1: like just produce activity of mixed different types of loan

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Speaker 1: so like I was in forbearance with my student loan,

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Speaker 1: but I oh, I basically put it so that I

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Speaker 1: can start to make payments again because that looks good

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Speaker 1: in the eyes of my creditors. I make sure that

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Speaker 1: I pay all of my credit card bills on time

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Speaker 1: because that looks good in the eyes of your creditors. Um.

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Speaker 1: There's even tons of like other apps now that can

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Speaker 1: help you to report certain things, like rent reporters dot

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Speaker 1: Com helps you to report your rent. So like let's say,

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Speaker 1: if you live in a place where your landlord and

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Speaker 1: you know you always pay your rent on time, but

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Speaker 1: that never gets reported to your credit brutals, rent reporters

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Speaker 1: dot Com can help you to basically um be able

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Speaker 1: to report that. Or there's another thing called self lender

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Speaker 1: dot Com. Self lender helps you to basically create like

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Speaker 1: a personal loan, but it's really you're savings. So it

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Speaker 1: looks like you're paying towards a loan, which produces activity

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Speaker 1: and looks good in the eyes of the creditors and

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Speaker 1: brings your credit score up. But in reality, you're really

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Speaker 1: just putting money towards a savings because they're gonna give

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Speaker 1: you that money back at the end of that whole

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Speaker 1: um process, which is usually anywhere from six months to

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Speaker 1: twelve months, so that they don't give you any money.

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Speaker 1: You literally just paying them to hold the money. Yeah

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Speaker 1: for you, uh huh. It's pretty cool. But that produces

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Speaker 1: activity and in turn, looking like you're paying down and

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Speaker 1: mix different types of loans and looking like you're paying

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Speaker 1: them on time or definitely it's not looking like but

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Speaker 1: definitely paying them on time bhasically allows your credit score

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Speaker 1: to go up. Um, So that's pretty much been my strategy.

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Speaker 1: Um And I mean, life happens like you know. One

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Speaker 1: of the tricks that I learned as well, it's even Yeah,

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Speaker 1: one of the tricks that I learned is like even

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Speaker 1: if you have to, um like use your credit card

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Speaker 1: above that thirty percent utilization because it happens like I

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Speaker 1: had family emergencies and bills that came out of nowhere

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Speaker 1: that I had to use that credit card up. But

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Speaker 1: making sure that you pay that credit card down back

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Speaker 1: before the statement date is what counts because that's when

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Speaker 1: they're going to report it to the credit card. So

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Speaker 1: even if you really like you know, mess up, or

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Speaker 1: if you know you have to do a little make

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Speaker 1: a boo boo. And you gotta you know, use your

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Speaker 1: credit card up to where you know you shouldn't be

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Speaker 1: using it. You can always alter that by just knowing

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Speaker 1: certain tricks. I think the biggest thing is just education. Um.

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Speaker 1: I joined the Facebook group and like I've literally joined,

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Speaker 1: like put my mom, my friends, everybody into this Facebook group.

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Speaker 1: But the group is just amazing, has so many people

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Speaker 1: in it. It's called Credit Warriors. I would recommend it

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Speaker 1: to anyone. I'm in that group, to a very good group. Yes,

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Speaker 1: very good group. They dropped all the jewels. You know

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Speaker 1: what's so funny because I'm looking through these questions and

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Speaker 1: I'm like, a lot of this stuff you can google

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Speaker 1: to get the knowledge, But I also feel like when

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Speaker 1: you actually hear somebody that already done it, or that

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Speaker 1: that's actually doing or in the process, and you hear

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Speaker 1: their story and the outcome, it makes it a little

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Speaker 1: bit more relatable. Yeah, you know, That's why I always say, like,

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Speaker 1: that's why we do what we do is because Google

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Speaker 1: is good. But Google doesn't always give when when you're

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Speaker 1: a specific person, whoever the target market is, you're looking

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Speaker 1: for information to be given to you in the way

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Speaker 1: that you like it to be given. So and a

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Speaker 1: lot of times Google was just overwhelming and you can't

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Speaker 1: really find the answer that you necessarily need, Like if

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Speaker 1: you were supporting the Google, like can I delete my bankruptcy?

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Speaker 1: You get a bunch of false answers, and you know,

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Speaker 1: when you really get that you've never done before, exactly

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Speaker 1: exactly and honestly, Google spots go to the highest bidder.

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Speaker 1: So you know, like I said, it's a game. If

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Speaker 1: if somebody is paying to get their information in front

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Speaker 1: of you, then that information will look like it's the

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Speaker 1: truest or you know, the most common one. It's probably

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Speaker 1: not even true. It's just paid for. Right. So, I

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Speaker 1: feel like you touched on the next question, but I

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Speaker 1: feel like a lot of people help ask me about

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Speaker 1: so I just put it in a question for you

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Speaker 1: to answer. UM. The next question is how does one

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Speaker 1: start the process of filing for bankruptcy? Yeah, so in

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Speaker 1: order to begin to file UM, you have to do

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Speaker 1: two three, three things too. I stually hands in your

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Speaker 1: paperwork so you can go online and get all of

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Speaker 1: the forms. You can download them. They're all accessible by

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Speaker 1: your state, UM all free. You can go online, get

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Speaker 1: the forms, fill out the forms, you have to also

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Speaker 1: have your personal identification information so like your I D

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Speaker 1: stuff like that. UM, you have to have the payment

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Speaker 1: for the filing see in a money order, and you

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Speaker 1: have to have had what the is it one particular

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Speaker 1: online web address or no. So you have to take

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Speaker 1: this stuff to the court, to the bankruptcy court. So

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Speaker 1: every every state or every county has their own bankruptcy

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Speaker 1: court or has their own court, and then they'll tell

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Speaker 1: you where you file your bankruptcy yet depending on your county.

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Speaker 1: So being that I live in Jersey, I had to

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Speaker 1: go to my county. But if you were to live

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Speaker 1: like in New York, you'll go downtown the King's County

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Speaker 1: or UM to Manhattan down to UM Central, where's that place,

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Speaker 1: um civil, where's the place downtown? You know the place

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Speaker 1: Manhattan where theyfore you can file like um city Hall.

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Speaker 1: There you go. You will go down to like city

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Speaker 1: Hall exactly. So you'd go to like city hall to

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Speaker 1: do stuff like that, I believe so UM for me personally,

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Speaker 1: I went to Jersey. So you can just google your

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Speaker 1: county UM and look up what court you'd go to

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Speaker 1: in your specific county for your zip code and UM,

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Speaker 1: the paperwork and Everything is usually by state, so make

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Speaker 1: sure that you're clicking on your state whenever you go

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Speaker 1: to click out fill out the paperwork. Um. Once you

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Speaker 1: have your paperwork, your ide, your filing fee. You also

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Speaker 1: have to take an online debt. It doesn't have to

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Speaker 1: be online, but it usually you could take it online

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Speaker 1: for super cheap. It's super easy, but you have to

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Speaker 1: take it right exactly. Um. So you have to take

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Speaker 1: an online like a financial course. So during the bankruptcy process,

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Speaker 1: you have to prove that like you've learned from your mistakes.

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Speaker 1: So the way that you do that is basically through

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Speaker 1: they make you go through classes. Now you don't have

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Speaker 1: to really give your classes if you can get rid

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Speaker 1: of my credit and all this ship is that did

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Speaker 1: he exactly? So it's like if I all that I

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Speaker 1: do is go to a class, than sure. But what

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Speaker 1: they do is you can go to an in person

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Speaker 1: class or you could do online class. They have online

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Speaker 1: classes and with the online classes that allows you to

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Speaker 1: you know, basically sit there at your computer take the classes.

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Speaker 1: It was super cheap, so I paid like fifteen dollars um,

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Speaker 1: sat there at the computer, just forwarded it you know,

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Speaker 1: um every time when it went forward or when the

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Speaker 1: video was done and that was it, they give you

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Speaker 1: a certificate, you print it out, and you hand that

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Speaker 1: whole packet in when you go up to the court.

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Speaker 1: So you could go in any day to the court

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Speaker 1: nine to five, whenever they open and just simply bring

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Speaker 1: up that paperwork and file it right there with that clerk.

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Speaker 1: Get it at the way, even though I know it

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Speaker 1: sounds easier sitting them, but it sounds super easy if

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Speaker 1: you just get started. Okay, yea. So the next question

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Speaker 1: is I'm a listener um or there is there more

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Speaker 1: than one type of bankrupts bankruptcy to foul? And why

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Speaker 1: did you choose the one that you foul? Yes, so

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Speaker 1: there's definitely more than one type of bankruptcy. You have

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Speaker 1: chapter seven, chapter thirteen. Um. So for me personally, I

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Speaker 1: have no don't own anything, And quite honestly, I didn't

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Speaker 1: have any crazy debt Like I just was being sued

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Speaker 1: by someone and wanted to personally believe that debt and

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Speaker 1: it just so happened. I had another bunch of little

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Speaker 1: stuff that came on with it. But it wasn't like

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Speaker 1: I owed any like huge, um crazy debt or it

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Speaker 1: wasn't like I still had anything that I wanted to keep.

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Speaker 1: So when you are in bankruptcy, you're basically saying like,

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Speaker 1: I'm so broke um that I can't afford to pay

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Speaker 1: any of my bills. Now, if you own property, like

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Speaker 1: if you have certain things like a house or investments

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Speaker 1: and things like that, they're gonna ask you like, well,

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Speaker 1: why can't you just liquidate those things to pay off

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Speaker 1: your debt um. In a lot of cases, you don't

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Speaker 1: have to do it, So that's why you may want

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Speaker 1: to file a different type of chapter. What I would

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Speaker 1: do real RealD talk is every lawyer gives you free

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Speaker 1: consultations when it comes to bankruptcy. Go to a few

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Speaker 1: of them. Due to free consultation. They don't sign up

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Speaker 1: with none of them exactly, don't sign up with none

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Speaker 1: of them. Pick their brain, let them recommend what they think,

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Speaker 1: whether it's thirteen or seven, and then go forward like

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Speaker 1: that and then fill your own protect Let's see with

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Speaker 1: the overall responses, and then that helped you narrow it

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Speaker 1: down mm hmm definitely. Um. Another question is what were

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Speaker 1: some of the challenges you face whole fell in bankruptcy? Oh? Man, Um.

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Speaker 1: For me, it was like the language. I mean, like

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Speaker 1: I'm a professor, like I'm would consider myself pretty smart,

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Speaker 1: but the language was a little bit mixed up. So

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Speaker 1: you know, you gotta remember this is all laws and

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Speaker 1: court stuff that these documents and stuff have been around

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Speaker 1: for over hundreds of years because it's all part of

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Speaker 1: like constitutional law. Um, so it's like a lot of

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Speaker 1: the things, um I didn't I didn't always understand, so

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Speaker 1: a lot of googling, like Google was my best friend.

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Speaker 1: Um for me, I suffered, like it wasn't really sufferment,

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Speaker 1: but I went through a lot of like doubt, so

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Speaker 1: I didn't know, like, oh I need a lawyer. Should

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Speaker 1: I just do this myself? Exactly because I never did

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Speaker 1: it before. So it wasn't until it took me a

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Speaker 1: while to actually hands in that packet. But it wasn't

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Speaker 1: tail I actually hands in it in the packet that

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Speaker 1: I was like, oh, I'm good, like when she when

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Speaker 1: I went up to her and she was like, you know, like, oh, okay,

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Speaker 1: you're good. Like it was literally me handing in my

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Speaker 1: paperwork to the clerk was like thirty minutes. I'm like,

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Speaker 1: oh my god, Like this was just so fast, like

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Speaker 1: so easy, Like I was just stressing out over it

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Speaker 1: for no reason. She literally went to my paperwork. I

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Speaker 1: felt everything out correctly, like everything was fine, like you know,

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Speaker 1: like it was just I was freaking out for no reason.

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Speaker 1: So that was a piece of the drama me. Also, um,

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Speaker 1: just for me, my county clerk was like not like

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Speaker 1: the closest thing ever. So the transportation to get down

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Speaker 1: to the courthouse to physically have to give it my documents. Now,

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Speaker 1: you can mail in your documents if you want. I

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Speaker 1: would probably just go that route. But because I'm like procrastinating, Patty, um,

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Speaker 1: like they usually give you a down negative. I'm procrastinating

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Speaker 1: Patty jail. Um, there's like you know deadline that they

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Speaker 1: give you so that they'll say like something like you

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Speaker 1: have to hand in this piece of document document h

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Speaker 1: Form number three Aindy by February third at five pm.

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Speaker 1: And like for me, I wouldn't start on a document

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Speaker 1: until February seconds, so you know, procrastinat the pat you

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Speaker 1: have to run to the courthouse on February three before

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Speaker 1: five pm. But um, if you're not like me and

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Speaker 1: a procrastinator, um, then you'll do fine. You can just

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Speaker 1: mail in those documents. Make sure you always get a

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Speaker 1: certificate with the mailing so that you can prove that

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Speaker 1: you mailed it to them and you'll be fine. Yeah,

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Speaker 1: I know you're gonna like this is like by'm me

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Speaker 1: listening to you and like before we started recording, I

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Speaker 1: was listening to the first episode and I'm just like Dan,

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Speaker 1: like and by the way, this is like the episode one.

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Speaker 1: Please make sure you listen to it if you haven't

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Speaker 1: listened to it before, you listen to this part because

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Speaker 1: it has been doing really well. And I'm just thinking,

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Speaker 1: like damn, I can just I can't even imagine how

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Speaker 1: many people you are like really helping with this knowledge,

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Speaker 1: because a lot of people if you're not familiar with

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Speaker 1: how to use Google or the Bourbige bankruptcy, like this

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Speaker 1: is really helping. And you know what's so crazy, like

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Speaker 1: not for nothing, but like I don't want to give

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Speaker 1: him too much about my contentity, but like I teach,

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Speaker 1: you know, and I'm just seeing the whole craze of

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Speaker 1: like online courses and stuff. I swear I could not

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Speaker 1: find one course on how do I file bankruptcy because

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Speaker 1: I would have paid for it. I'm by my started

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Speaker 1: tell you the truth, because I would have said sorry,

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Speaker 1: I would have paid fifty dollars to join you in

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Speaker 1: your course and you're taking me step by step or

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Speaker 1: how to file pro say, I would have took that,

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00:17:20,840 --> 00:17:23,200
Speaker 1: and about how it starts, about how you finish, and yeah,

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Speaker 1: I think that this. It's like somebody wasn't really yours,

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Speaker 1: like if you were sorry of course, because you're really

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Speaker 1: good at stuff like this and like really like everything

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Speaker 1: you're saying and put it on paper for people can

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Speaker 1: download and used as a reference book. Girl, Yeah, I

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Speaker 1: got people. I'm telling you. I had. I mean, this

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00:17:39,280 --> 00:17:42,280
Speaker 1: conversation was way overdue, but I had just got back

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Speaker 1: to my birthday trip. But I'm pretty sure you've been

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Speaker 1: busy as well. And I had so many girls like

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Speaker 1: you know, and I was like, damn, like people really

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Speaker 1: want to know, because it's hard to find the answers

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Speaker 1: out there straight up point answer. You know. Yeah, it

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Speaker 1: was really hard, Like it was just difficult for me

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Speaker 1: to find the information that I needed, Like I had

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Speaker 1: to really sift it. I'm just one of those people

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Speaker 1: like you know, hundreds tabs open and you know, really

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Speaker 1: sifting into the information like that. But I was ready

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Speaker 1: to buy a bankruptcy for dummies book, like, you know,

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Speaker 1: just to understand like what do I do next? Like

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Speaker 1: do I hand this in at the same time as

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Speaker 1: this or should I hand this in first? And I mean,

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Speaker 1: you know, you just gotta call around and and you know,

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00:18:19,760 --> 00:18:21,800
Speaker 1: get down to it. But I understand, like if you're

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Speaker 1: not that type of person. I'm a very studious person.

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Speaker 1: So if you're not that type of person, I can

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00:18:25,800 --> 00:18:28,320
Speaker 1: completely understand why people pay for lawyers and why the

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Speaker 1: lawyers charge. I was a pop girl. I'll be doing

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Speaker 1: back on the old I would make good money about yeah,

393
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Speaker 1: because once you have the documents, all you're doing. Because

394
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Speaker 1: I fin wanted to go through a lawyer, and there's

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Speaker 1: free lawyers that you can get if your income is

396
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Speaker 1: under a certain amount, but I didn't qualify. But when

397
00:18:50,600 --> 00:18:52,400
Speaker 1: I wanted to try to go to one of them

398
00:18:52,400 --> 00:18:56,560
Speaker 1: to get to the free lawyer, um, they actually they

399
00:18:56,600 --> 00:18:58,520
Speaker 1: just have a booklet that they have you fill out,

400
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Speaker 1: and once you fill out the booklet, they information for

401
00:19:00,720 --> 00:19:02,359
Speaker 1: you and then that's the paperwork that they have so

402
00:19:02,440 --> 00:19:05,000
Speaker 1: you submit to the judge. So it's basically like a

403
00:19:05,040 --> 00:19:08,959
Speaker 1: bankruptcy preparation company to where you could pay people to

404
00:19:09,000 --> 00:19:11,200
Speaker 1: prepare the documents for you if you're not very still

405
00:19:11,240 --> 00:19:14,040
Speaker 1: on preparing them now, it's gonna make the time longer.

406
00:19:14,280 --> 00:19:16,239
Speaker 1: But as opposed to paying a lawyer for like eight

407
00:19:16,320 --> 00:19:18,880
Speaker 1: hundred hundred dollars, you could pay these people like four

408
00:19:18,960 --> 00:19:22,280
Speaker 1: hundred dollars. If I ever go broke, that might be

409
00:19:22,320 --> 00:19:24,800
Speaker 1: my new job. Girl. Let me know if you need

410
00:19:24,800 --> 00:19:28,320
Speaker 1: an assistance. Okay, charge, We're gonna charge you three hundred

411
00:19:28,320 --> 00:19:31,840
Speaker 1: dollars a pop. We got you, sis and bro. We

412
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Speaker 1: don't descriminate where we ain't discriminating. The next question is,

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Speaker 1: can you give us more insight on the fees. Yes,

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Speaker 1: so questions are good. Um, So one thing is that

415
00:19:47,040 --> 00:19:50,520
Speaker 1: don't let the fees too So for one, every fee,

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Speaker 1: we'm not gonna spit out exact numbers because honestly it's

417
00:19:53,960 --> 00:19:56,639
Speaker 1: subject to state. But it's gonna be around three d

418
00:19:56,760 --> 00:19:59,840
Speaker 1: and thirty five dollars or if you're gonna fail up

419
00:20:00,160 --> 00:20:03,280
Speaker 1: for Chapter thirteen, three hundred and ten dollars, so anywhere

420
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Speaker 1: from maybe three hundred. But yes, but for me it

421
00:20:07,800 --> 00:20:09,920
Speaker 1: was around I think three twenty five in my state,

422
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Speaker 1: if I want to say, um, but one thing about

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00:20:12,480 --> 00:20:14,479
Speaker 1: the fees that I will tell you is that if

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Speaker 1: you're filing close say, or if you're even if you're

425
00:20:16,520 --> 00:20:18,719
Speaker 1: following with a lawyer, you can split up the fees

426
00:20:19,119 --> 00:20:21,240
Speaker 1: so you don't have to file like have all of

427
00:20:21,280 --> 00:20:23,160
Speaker 1: the money right then and there. When I fought started

428
00:20:23,240 --> 00:20:25,879
Speaker 1: up for my bankruptcy, I only signed up with fifty dollars.

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00:20:26,200 --> 00:20:29,520
Speaker 1: I gave them exactly like a payment plan. So I

430
00:20:29,560 --> 00:20:31,399
Speaker 1: gave them the money. They split the money up for

431
00:20:31,480 --> 00:20:33,840
Speaker 1: three months. It could be in it was like, oh, well,

432
00:20:33,880 --> 00:20:35,520
Speaker 1: you know, two months or three months. I think it

433
00:20:35,560 --> 00:20:37,440
Speaker 1: was over two months for me. So I split it

434
00:20:37,520 --> 00:20:38,800
Speaker 1: up over two months and it it was like, oh, you

435
00:20:38,840 --> 00:20:40,920
Speaker 1: give us half now a certain amount, now, you give

436
00:20:40,960 --> 00:20:42,640
Speaker 1: us the rest of it later. And if you don't

437
00:20:42,680 --> 00:20:44,640
Speaker 1: give it by a certain date though, then they you're

438
00:20:44,680 --> 00:20:46,879
Speaker 1: in danger of having your kids to be dismissed. So

439
00:20:46,920 --> 00:20:48,800
Speaker 1: that's really important for you to like make sure that

440
00:20:48,840 --> 00:20:50,520
Speaker 1: if you are going to set the payment plan with them,

441
00:20:50,640 --> 00:20:52,840
Speaker 1: that you stick to it because if the court and

442
00:20:52,840 --> 00:20:54,159
Speaker 1: you know, the court don't play when it comes to

443
00:20:54,200 --> 00:20:58,760
Speaker 1: dismissals and cases and judges and courts, but you can

444
00:20:59,000 --> 00:21:01,320
Speaker 1: don't let the fee it's her you. You can definitely

445
00:21:01,720 --> 00:21:04,680
Speaker 1: make it um payment schedule or on a payment type

446
00:21:04,680 --> 00:21:06,800
Speaker 1: of plan for the fees, and it's gonna be around

447
00:21:06,840 --> 00:21:12,240
Speaker 1: three dollars. So the last question is, but like before

448
00:21:12,280 --> 00:21:14,720
Speaker 1: I go some last questions, So pretty much three hundre dollars.

449
00:21:15,480 --> 00:21:19,600
Speaker 1: M hm, give or take. That's not bad. Ye. Yeah,

450
00:21:19,840 --> 00:21:21,720
Speaker 1: a lot of those who don't have it, and or

451
00:21:21,800 --> 00:21:23,400
Speaker 1: you can use that to her dolls or something else.

452
00:21:23,400 --> 00:21:24,880
Speaker 1: But if you're able to put on a payment plan,

453
00:21:25,000 --> 00:21:28,560
Speaker 1: that's not bad at all. Yeah, line not. Um. So

454
00:21:28,640 --> 00:21:34,200
Speaker 1: the last question is did it bother you mentally when

455
00:21:34,280 --> 00:21:39,280
Speaker 1: you had when you made the decision to foul bankruptcy. Um,

456
00:21:39,840 --> 00:21:43,600
Speaker 1: I mean it's still not something that I screamed from

457
00:21:43,600 --> 00:21:48,119
Speaker 1: the mountaintops. Um, it's not. I mean I have a

458
00:21:48,119 --> 00:21:51,960
Speaker 1: personal joke with like my friends and my family and

459
00:21:51,960 --> 00:21:53,800
Speaker 1: stuff like I like when I was going through it,

460
00:21:53,800 --> 00:21:56,440
Speaker 1: like I'm filing bankruptcy, don't ask me for anything, like

461
00:21:56,520 --> 00:21:58,520
Speaker 1: you know, like why at the same time, like I

462
00:21:58,560 --> 00:22:01,280
Speaker 1: went to Paris, I didn't matter stuff. So I was like,

463
00:22:02,440 --> 00:22:06,200
Speaker 1: how broguard you? You know? I mean, listen, I guess

464
00:22:06,200 --> 00:22:08,000
Speaker 1: it's depending on what type of person that you are.

465
00:22:08,560 --> 00:22:10,560
Speaker 1: Like I said, I think in the episode before, it

466
00:22:10,600 --> 00:22:13,600
Speaker 1: really comes from education, Like when I started to really

467
00:22:13,680 --> 00:22:16,080
Speaker 1: like look into it, and I learned more about the process,

468
00:22:16,080 --> 00:22:17,920
Speaker 1: and I learned more about these people. The people do

469
00:22:18,200 --> 00:22:21,800
Speaker 1: like people file bankruptcy every day, like rich people, you

470
00:22:21,800 --> 00:22:23,760
Speaker 1: know what I mean. So it didn't and I realized that.

471
00:22:23,800 --> 00:22:28,680
Speaker 1: And they call it organizing exactly, girl, Like bye, that

472
00:22:28,800 --> 00:22:30,640
Speaker 1: just means me to rob and Peter and pay and Paul.

473
00:22:30,720 --> 00:22:32,719
Speaker 1: My mama told me how to do that. I know

474
00:22:32,720 --> 00:22:34,680
Speaker 1: how to do that. Like that ain't no issue with me.

475
00:22:34,840 --> 00:22:36,639
Speaker 1: So it was like at the same time, we have

476
00:22:36,720 --> 00:22:39,240
Speaker 1: to look at it from the perspective of like, you know,

477
00:22:39,440 --> 00:22:40,760
Speaker 1: it's a start for me. I was looking at it

478
00:22:40,760 --> 00:22:42,800
Speaker 1: from press it was. It was a fresh start for me,

479
00:22:42,960 --> 00:22:44,520
Speaker 1: like you know, and I still how I look at it,

480
00:22:44,560 --> 00:22:46,400
Speaker 1: like my journey to me is not over because I'm

481
00:22:46,440 --> 00:22:48,239
Speaker 1: not at my seven fifty credit school where I want

482
00:22:48,280 --> 00:22:51,120
Speaker 1: to be, but I'm definitely building towards it. And like

483
00:22:51,200 --> 00:22:55,200
Speaker 1: that's just something that like exactly, like it was there

484
00:22:55,200 --> 00:22:57,119
Speaker 1: we go and I'm just one of those people like

485
00:22:57,160 --> 00:22:59,600
Speaker 1: I'm gonna look at the glass half fold because that's

486
00:22:59,640 --> 00:23:02,399
Speaker 1: just the type of person that I am. Um, So yeah,

487
00:23:02,640 --> 00:23:04,560
Speaker 1: for me, I was just looking into it like it's

488
00:23:04,560 --> 00:23:05,960
Speaker 1: a fresh start. For me, and if this is what

489
00:23:06,000 --> 00:23:08,280
Speaker 1: I've gotta do to get a fresh start, then here

490
00:23:08,320 --> 00:23:11,760
Speaker 1: I am like it is what it is than that

491
00:23:11,960 --> 00:23:15,360
Speaker 1: within these that's what eight questions that you asked. I mean,

492
00:23:15,400 --> 00:23:18,040
Speaker 1: I feel like this is enough material to help anybody

493
00:23:18,040 --> 00:23:21,560
Speaker 1: get started. Um, you know, I think you'll find the

494
00:23:21,680 --> 00:23:24,640
Speaker 1: time out to talk to my listeners because I'm telling

495
00:23:24,680 --> 00:23:26,720
Speaker 1: you girls, just like, girl, when are you gonna drop

496
00:23:26,760 --> 00:23:28,920
Speaker 1: this Q and A? And I'm like calling, let me

497
00:23:28,960 --> 00:23:34,000
Speaker 1: just give give me a second, get my parents together. Um.

498
00:23:34,040 --> 00:23:37,000
Speaker 1: So I don't think that anybody should have any more questions,

499
00:23:37,040 --> 00:23:39,920
Speaker 1: but if you do have any more questions, please email

500
00:23:39,960 --> 00:23:46,040
Speaker 1: me at hello at the Professional Homegirl dot com. Um, yeah,

501
00:23:46,080 --> 00:23:49,400
Speaker 1: they have questions. Man, I'm starting up that bankruptcy course. Yeah,

502
00:23:49,560 --> 00:23:51,800
Speaker 1: email me because I can definitely be because my guest,

503
00:23:51,880 --> 00:23:54,560
Speaker 1: you never know, you might see a bankruptcy course coming

504
00:23:54,600 --> 00:23:59,919
Speaker 1: to you. Really might give y'all a discount. Got an

505
00:24:00,000 --> 00:24:03,439
Speaker 1: off on my plate chat? Yeah, times is hard. You know,

506
00:24:03,520 --> 00:24:06,040
Speaker 1: I can look frustrated with some things, So I get it.

507
00:24:06,160 --> 00:24:10,920
Speaker 1: Sis in bros. Um we are this. The PhD podcast

508
00:24:10,960 --> 00:24:13,760
Speaker 1: is now available on all major major streaming platforms, so

509
00:24:13,800 --> 00:24:16,040
Speaker 1: please make sure you rate us. Please make sure you

510
00:24:16,119 --> 00:24:18,960
Speaker 1: leave a comment review, positive negative. I'm a big girl.

511
00:24:19,000 --> 00:24:20,639
Speaker 1: I got my big girl draws on so I can

512
00:24:20,720 --> 00:24:23,560
Speaker 1: take care of it. And that's all I got for

513
00:24:23,680 --> 00:24:27,600
Speaker 1: y'all this week's episode. So until next week, y'all later,