I am going to bankrupt my student loans

[Pauper]

I am within weeks of filing a Chapter 7 BK. It looks like it going to happen. I have several issues that I believe give me a chance to at least pare them down to something I can payoff by the time I'm 65 (I'm 51 now).

 

Anyone hear of the Reynolds case out of Minnesota? It went to 2 levels of appeals and she won. All of her student loans (over $150,000 were discharged) She was around 35 and she had around $700 month in disposable income.

 

She used a claim that the burden of her loans was detrimental on her already fragile mental health, the 8th Circuit bought it. My case will be similar in some ways, dissimilar in others.

 

Any one want to weigh in?

[unionmenace]

All I can say is good luck! From what I've heard, even the woman in the case you described was lucky.

[psp]

don't count on it, that way you won't be too freaked out when it doesn't happen.

[TxQuiltGirl]

Ever heard of not putting all your eggs in one basket? I would strongly suggest that you consider the fact that this very well may not go the way in which you intend. And come up with a back up plan.

 

And I sincerely hope that you didn't come here seeking an audience for this farce you're about to start.

[Pauper]

Ever heard of not putting all your eggs in one basket? I would strongly suggest that you consider the fact that this very well may not go the way in which you intend. And come up with a back up plan.

 

And I sincerely hope that you didn't come here seeking an audience for this farce you're about to start.

 

Goodness, look at the experts crawl out of the woodwork.

 

Why do you say it is a farce?

 

What experience do you have?

 

What research have you done?

[Pauper]

don't count on it, that way you won't be too freaked out when it doesn't happen.

 

 

And by what experience or research do you make this claim?

[hegemony]

Ever heard of not putting all your eggs in one basket? I would strongly suggest that you consider the fact that this very well may not go the way in which you intend. And come up with a back up plan.

 

And I sincerely hope that you didn't come here seeking an audience for this farce you're about to start.

 

Goodness, look at the experts crawl out of the woodwork.

 

Why do you say it is a farce?

 

What experience do you have?

 

What research have you done?

if you seriously looking for an answer then you would not have responded this way AND you would have posted in the BK forum NOT the SL forum. Next you'll be lauding Chuck's scam book.

[Pauper]

Ever heard of not putting all your eggs in one basket? I would strongly suggest that you consider the fact that this very well may not go the way in which you intend. And come up with a back up plan.

 

And I sincerely hope that you didn't come here seeking an audience for this farce you're about to start.

 

Goodness, look at the experts crawl out of the woodwork.

 

Why do you say it is a farce?

 

What experience do you have?

 

What research have you done?

if you seriously looking for an answer then you would not have responded this way AND you would have posted in the BK forum NOT the SL forum. Next you'll be lauding Chuck's scam book.

 

Again, either answer the question as to your knowledge or lack of knowledge of the book you condemn, or I will simply peg you as an Internet big mouth, unworthy of further attention.

 

Your choice.

[hegemony]

Again, either answer the question as to your knowledge or lack of knowledge of the book you condemn, or I will simply peg you as an Internet big mouth, unworthy of further attention.

 

Your choice.

LOL. a newbie troll labels me a big mouth.

 

Why should I take your QUIZ? How is that "book" NOT a SCAM?

[Pauper]

 

Again, either answer the question as to your knowledge or lack of knowledge of the book you condemn, or I will simply peg you as an Internet big mouth, unworthy of further attention.

 

Your choice.

LOL. a newbie troll labels me a big mouth.

 

Why should I take your QUIZ? How is that "book" NOT a SCAM?

 

 

People with integrity are able and willing to back up what they say.

 

You stated that the book is a scam...back it up or sit down and be quiet.

[hegemony]

People with integrity are able and willing to back up what they say.

 

You stated that the book is a scam...back it up or sit down and be quiet.

if your book is so great, why are you filing BK?

[TxQuiltGirl]

Pauper, I would strongly suggest you back off before you get your first official warning. If you're here to hawk the book, then take it elsewhere. We have no need of your "expertise" here.

 

If you're here looking for help, then that's one thing, but I will not allow you (or anyone else) to come here and start trying to set yourself up as a Student Loan Expert with absolutely NOTHING to back that claim up.

 

Put up or shut up. It really is that simple.

[LynnInMN]

 

Again, either answer the question as to your knowledge or lack of knowledge of the book you condemn, or I will simply peg you as an Internet big mouth, unworthy of further attention.

 

Your choice.

 

Quilty is quite knowledgeable and I would suggest that you cool your tone. You asked for comments and obviously you dont like what you are being told. Do your own research.

[pryan67]

Pauper- Did you READ the Reynolds case? Did you see the documentation that she had proving her mental health issues? Can you do the same?

 

 

and I'd strongly suggest you do a bit more research on the subject of SLs being discharged...

 

can it be done...yes...

 

is it as simple to do as you're making it out to be...what did Reynold's attorneys cost? Did it offset the amount she may have been ordered to pay?

 

 

As for what experience there is here to say your plan likely won't work...how about MILLIONS of people that did NOT get their SLs discharged in BK? Compared to the few that have? And ONLY having those discharged when they can prove undue hardship?

[Pauper]

 

Again, either answer the question as to your knowledge or lack of knowledge of the book you condemn, or I will simply peg you as an Internet big mouth, unworthy of further attention.

 

Your choice.

 

Quilty is quite knowledgeable and I would suggest that you cool your tone. You asked for comments and obviously you dont like what you are being told. Do your own research.

 

 

I have been attacked for suggesting that I am close to filing bankruptcy and for hawking a book. Show me one respectful, useful comment that has been made in response to what I have said.

[pryan67]

 

Again, either answer the question as to your knowledge or lack of knowledge of the book you condemn, or I will simply peg you as an Internet big mouth, unworthy of further attention.

 

Your choice.

 

Quilty is quite knowledgeable and I would suggest that you cool your tone. You asked for comments and obviously you dont like what you are being told. Do your own research.

 

 

I have been attacked for suggesting that I am close to filing bankruptcy and for hawking a book. Show me one respectful, useful comment that has been made in response to what I have said.

 

 

 

posts 2,3,4 and 14....

Edited January 10, 2006 by pryan67

[TxQuiltGirl]

 

Again, either answer the question as to your knowledge or lack of knowledge of the book you condemn, or I will simply peg you as an Internet big mouth, unworthy of further attention.

 

Your choice.

 

Quilty is quite knowledgeable and I would suggest that you cool your tone. You asked for comments and obviously you dont like what you are being told. Do your own research.

 

 

I have been attacked for suggesting that I am close to filing bankruptcy and for hawking a book. Show me one respectful, useful comment that has been made in response to what I have said.

 

 

 

posts 2,3,4 and 14....

 

 

And 13.

[Pauper]

 

Again, either answer the question as to your knowledge or lack of knowledge of the book you condemn, or I will simply peg you as an Internet big mouth, unworthy of further attention.

 

Your choice.

 

Quilty is quite knowledgeable and I would suggest that you cool your tone. You asked for comments and obviously you dont like what you are being told. Do your own research.

 

 

I have been attacked for suggesting that I am close to filing bankruptcy and for hawking a book. Show me one respectful, useful comment that has been made in response to what I have said.

 

 

 

posts 2,3,4 and 14....

 

 

And 13.

 

There is no way to sugar coat this: That is a lie

 

I was attacked and I ask for proof of claims made and I AM ACCUSED OF ABUSING THE BOARD?

 

Ridiculous

[Pauper]

Pauper- Did you READ the Reynolds case? Did you see the documentation that she had proving her mental health issues? Can you do the same?

 

 

and I'd strongly suggest you do a bit more research on the subject of SLs being discharged...

 

can it be done...yes...

 

is it as simple to do as you're making it out to be...what did Reynold's attorneys cost? Did it offset the amount she may have been ordered to pay?

 

 

As for what experience there is here to say your plan likely won't work...how about MILLIONS of people that did NOT get their SLs discharged in BK? Compared to the few that have? And ONLY having those discharged when they can prove undue hardship?

 

You know nothing about student loans and bankruptcy.

 

The Reynolds case was taken pro bono by a firm in Minneapoilis. I have read the original trial summary ( 15 pages), the first appeal summary (12 pages) and the final appeal at the 8th Circuit en banc session ( 13 pages) I also listend by audio file to the 60 minute arguments made at the 8th circuit by both the debtor and attorneys representing the lenders.

 

The people who did not have their S.L. loans discharged in BK, and it is not in the "millions" as you say, most likely did not desevrve having them discharged or offered poor reasons for having them discharged.

[pryan67]

There is no way to sugar coat this: That is a lie

 

I was attacked and I ask for proof of claims made and I AM ACCUSED OF ABUSING THE BOARD?

 

Ridiculous

 

 

you were given advice in posts 2,3, and 4...then you attacked the very people trying to help prevent you making a mistake...

[LynnInMN]

Pauper- Did you READ the Reynolds case? Did you see the documentation that she had proving her mental health issues? Can you do the same?

 

 

and I'd strongly suggest you do a bit more research on the subject of SLs being discharged...

 

can it be done...yes...

 

is it as simple to do as you're making it out to be...what did Reynold's attorneys cost? Did it offset the amount she may have been ordered to pay?

 

 

As for what experience there is here to say your plan likely won't work...how about MILLIONS of people that did NOT get their SLs discharged in BK? Compared to the few that have? And ONLY having those discharged when they can prove undue hardship?

 

You know nothing about student loans and bankruptcy.

 

The Reynolds case was taken pro bono by a firm in Minneapoilis. I have read the original trial summary ( 15 pages), the first appeal summary (12 pages) and the final appeal at the 8th Circuit en banc session ( 13 pages) I also listend by audio file to the 60 minute arguments made at the 8th circuit by both the debtor and attorneys representing the lenders.

 

The people who did not have their S.L. loans discharged in BK, and it is not in the "millions" as you say, most likely did not desevrve having them discharged or offered poor reasons for having them discharged.

 

 

Jesus...will someone PLEASE ban this troll??? Yeah, we know nothing. (Then why the hell is he here???)

[breeze]

pauper, you asked if anyone had read this book. Everyone said no. Why not move along now? Or do you have another question?

 

If you are not looking for advice, then I will assume you selected this board to hawk a book. That is my prerogative. These boards are heavily moderated, and we did not invite you to be a moderator. If you want to advertise there is a link in every google ad, feel free.

 

Don't argue it's a losing proposition.

[pryan67]

Pauper- Did you READ the Reynolds case? Did you see the documentation that she had proving her mental health issues? Can you do the same?

 

 

and I'd strongly suggest you do a bit more research on the subject of SLs being discharged...

 

can it be done...yes...

 

is it as simple to do as you're making it out to be...what did Reynold's attorneys cost? Did it offset the amount she may have been ordered to pay?

 

 

As for what experience there is here to say your plan likely won't work...how about MILLIONS of people that did NOT get their SLs discharged in BK? Compared to the few that have? And ONLY having those discharged when they can prove undue hardship?

 

You know nothing about student loans and bankruptcy.

 

The Reynolds case was taken pro bono by a firm in Minneapoilis. I have read the original trial summary ( 15 pages), the first appeal summary (12 pages) and the final appeal at the 8th Circuit en banc session ( 13 pages) I also listend by audio file to the 60 minute arguments made at the 8th circuit by both the debtor and attorneys representing the lenders.

 

The people who did not have their S.L. loans discharged in BK, and it is not in the "millions" as you say, most likely did not desevrve having them discharged or offered poor reasons for having them discharged.

 

 

*lmao* Oh REALLY? On what do you base the assertion in red above?

 

 

you're claiming that millions of people HAVE had their loans BK'd? Evidence please....

 

how many people have filed BK in the past 10 years? Of those, how many had student loans? Out of those, how many were discharged?

[Pauper]

pauper, you asked if anyone had read this book. Everyone said no. Why not move along now? Or do you have another question?

 

If you are not looking for advice, then I will assume you selected this board to hawk a book. That is my prerogative. These boards are heavily moderated, and we did not invite you to be a moderator. If you want to advertise there is a link in every google ad, feel free.

 

Don't argue it's a losing proposition.

 

 

In which post did I urge anyoen to read the book?

[hegemony]

I was starting to think I misjudged pauper, but his/her obloquies have convinced me of my original judgement.

 

perhaps pauper can give us some specific tidbits that will convince us he/she does have knowledge CBers lack?