Can I File Bankruptcy after Foreclosure?

I am procrastinating, I have three more lines to fill in on my Bankruptcy forms. Three lines to freedom, I have been avoiding writing about it too. I am ashamed. I thought I could fix this with out bankruptcy…I felt like if I had to file bankruptcy after foreclosure I didn’t deserve the financial freedom I so desperately longed and worked for. I was wrong.

Lets start at last June- after my surgery and Bretts broken elbow and surgery the medical bills started pouring in, then we were hit with a brick (for lack of a better word). Our second mortgage was going to sue us for $75,000. Ouch. We started to search desperately, we had so many questions and so few answers. The first was…

Can I file bankruptcy after foreclosure?
Yes, Yes, YES!! Yes, you can, we are. Not only can we, but we will be getting rid of virtually all our debt. We don’t have student loans or IRS debt, which are both exempt from bankruptcy, so we don’t have to worry about that. Although the prospect of having to sell all our belongings (which are few and far between) to pay back debt makes me very nervous!

If I can file bankruptcy after foreclosure, which chapter do I file?
This was our next question, we researched and then decided we should be filing Chapter 7. Chapter 7 is also referred to liquidation case (hence my apprehension). Our lawyer basically broke it down like this- we would fill out forms HONESTLY and then we would be assigned a Trustee who would then decide what was exempt and non-exempt assets, based on a certain amount of equity in our property (furnishings, personal property, vehicles, life insurance, etc.).

Now that I know I can file bankruptcy after foreclosure, who do I contact?
I called every bankruptcy lawyer in the Denver/Boulder area and decided on a lawyer in Erie. He seemed to know his shit and had the confidence I lack in this situation. Bankruptcy lawyers definitely vary in price, the can cost at little as $900 and as much as $3000, ours is about $2400, he seems really well versed in our type of situation so we opted for him.

Can I file bankruptcy after foreclosure and ever buy a house again?
This was my final question, which was subsequently answered in a packet of papers from our attorney- we are looking roughly 4-7 years before we qualify for a loan again, hopefully since we will be debt free and living frugally we will be able to save a decent down payment by then.

Our bankruptcy still makes want to cry, it makes me nervous and I have a lot of anxiety surrounding it. This doesn’t mean it isn’t the right choice for us right now, it is. It means I haven’t done this yet and I am afraid of the recovery or what it will look like for us in the future. Honestly I am kind of scared to be debt free, I am afraid I may make the same bade choices again and forget all that I have learned. I most likely won’t because I am such a freak now, but one never knows.

Running Around The World

Okay, well that may be a little over the top, I am not really running around the world (but I would freaking love to!) But I did just sign up for my first ever HALF MARATHON!!!!!!!!! The Colfax Marathon which is a benefit Marathon for Kaiser and supports all these super orginaztions in the Denver area 🙂 I know doing a half is a little wuss but I am running Tough Mudder the next month and there is no way I can train for both :/

So, back to Colfax Marathon…its May 19th and I will be running it with a few of my super awesome friends (I would love to have more join us!) I am using Hal Higdons Half Marathon Novice2 right now and in a few weeks I am going to be upping it to Intermediate because well I run too much for the current progam, although if you are a novice runner I do think it is AWESOME!

Last month I made my goal of 100 miles as many of you know 🙂 I actually hit 101 and I have to say it rocked 🙂 In a huge way minus of course the illness at the end but hey what can I say?! I wanted to touch on awesome running and shoes. A lot of my friends have asked me what shoes they should wear, well that is a complex question running shoes are not a one size (or shoe) fits all we all run different I love love love to run ‘barefoot’ I run in Merrills on the road and in Vibrams on the treadmill! They are perfect for me but I have a near perfect gait and work hard to keep it that way, this is not the case with most runners!! I will repeat, this is not the case with most runners!!!!!!! Go to a real running store and get fitted I love Road Runners because they are uber patient and awesome, they are also the only running store I have been in. So, before you run, get fitted, its worth the $100 for the right shoes and lack of shin splints, hip injuries, knee pain, etc, etc!

Well. Im off for now but I will be checking in Thursday for a delish, clean. dish!

Park and Play 3 *Wicked Abs!*

Okay so my abs are far from wicked but I was helping CJ workon my MIL house yesterday and I totally managed to do it with out pussing out which is uber huge for me because well frankly I have spent years out of shape and rather lazy :blush: I also jumped on the tramp with the kids repeatedly and I went for an hour long run this morning IN THE MOUNTAINS, so like up hill the whole first half!!!!!!!!!!! I about died, I dont think I have even coughed so much before :-/

Okay the work out

Bicycle crunch/3/12-16
Reverse Crunch/2/12
Vertical leg crunch/3/12
Captains Chair (while hanging from monkey bars)/2/12
Single Leg Bridge/2/60 seconds
Plank/2/60 seconds
Standing Knee Cross Crunch/3/16

Its not terribly until you are near the end but I enjoyed it! Next week will be upper body and then we will have a solid rotation on
m- P&P1
t- P&P2
w- P&P3
th- P&P4
F- P&P1

I will be revamping come winter but I will leave friday open for just body updates, my body tends to be one of my biggest and most painful struggles in life, as a mother and a woman. I hope to over come that with basic exercise and ledning my self to health so my kids can have a healthy and fun mama

Gun Violence Kills 12

Someone just posted on Facebook
‘they say guns don’t kill people, people do, but if it weren’t for a gun a lot more people would be alive right now.’

A gun did not walk into that Aurora movie theatre and shoot 62 people. A man who was 24, highly intelligent and out for blood did.

I can not fathom the pain, heartbreak and devastation the families of those shot are feeling. I live 50 miles away and I want to cry, I have cried. I don’t know anyone in aurora but I know that someones 7 year old baby was killed. Jayden is almost seven. 62 lives, 62 families have been forever changed because one 24 year old guy was angry.

It doesn’t end there, he had a bomb in his car. He booby trapped his apartment and planted bombs in his apartment complex, maybe more. They don’t know. But blocks of city street are shut down and the FBI and ATF are there.

So, at the end of the day does it really fucking matter if he used a gun or a bomb or a knife or nunchucks? Does it really matter? Is it really the point? Cus I feel like the real point is that 12 people are dead our state is in upheaval and it’s bad enough that a radio DJ suggested all we could do right now is PRAY for these families.

Stop fighting over guns and start praying for healing.