coltboostin

Oh yes, it does. If you are granted a Ch7, its wiped away. Period. Ch13, you go one repayment plan. I refer people to a BK almost every day. Also consider the Fastest, and one of the highest grossing, guy on this board has literally made his living on debt settlement, the back alley abortion aversion to BK. Go ahead an pm Atomicfusion and tell him he's doing it wrong. Again, I dont agree with BK, I have a 791 FICO, I live well within my means. I was just saying its an option, and if I was 30,40,50k in debt, and had reduced income, my FIRST CALL would be to a BK attorney.

Since people already covered the silly TV purchase- When you were 18, why didn't you BK? If you had the lack of income for a Ch.7, you'd have a clean slate. Although I have never filed for BK, and hope to never have to, Donald Trump even said that if you have not filed for BK at least once in your life, your not talking full advantage of the American financial system.

Just for reference, most "good" rates cant be touched unless you are under 31% on the front end, the best under 24% (all borrowers combined) and 740+FICO. If your over 38%, you qualify (depending on lender and servicer) for the HAMP program, Obama's homeowner bailout that gets you to a 2% mortgage rate with some principal payoff. That means over 38% uncle Sam even sees you as being pretty fucked.

I like the stance, and yes the 3xGross is a great laymans way to look at it. But- how can you stand on your soap box, then follow it up with Your saying you'd put yourself in a 50% front end DTI scenario?! I see that as being doomed to fail. I could not even get something like that past underwriting unless you put 20% down and it was table funded!

and, only when driven in Salty environments. 20 Year old Civics in Texas look like you just drive them off the lot.

Price going back up!

Because its the only thing they can compare to the 335i. :bangbang:

Its MY personal rule of thumb, and lets be serious in Ohio its not that difficult. You have to realize I make my living on people not following this rule, and really doing everything they can in their power to live beyond their means. I don't mind people's lack on financial understanding.

Its a total finance (interest) charge, not just an income cap. And I dont believe the income cap is that high, but dont quote me.

I got nothing for that dinosaur junk. Sorry boss.

Non Turbo S4's are as cool as a bucket of Dicks.

If you cant be harsh, be inventive. If you can be neither, then you need to stop breathing.

15k can get you a 335i if your Savy. And Im sorry to all you Audi Homos, but if you even think A4>335i then you indeed suck dicks. Hell I feel gay for even posting ^^^^^^

If this is true- Thats pretty gay.

5 kids? Your return must be hellaflush.

Niacin is your friend

All White? WhiteTan? OffWhite?

Bingo-my E46 has less miles than my old 740, but is in much better overall condition. As far as price, I hope your not paying 12k for ANY E46, IMO.

97 Dodge Dually Cummins 2wd. Billet input/output shafts. Stage one trans. More Boost and fuel. 24mpg unloaded. 21mpg pulling a steel trailer with another Chevy1500 on it. About 202k miles. I'd tow it to China. May be for sale...

I LOVE my 330. Not a ZHP, but it rides/drives/sounds/looks like a brand new car. 180k miles, and I just test drove a BRAND NEW Chevy Cruz for Mom. It make more suspension noise, more wind noise @ 75mph, and was less comfortable than my 330.

How much of that are you going to claim EOY? :gtfo: http://www.irs.gov/

It SHOULD be. As a Mortgage broker, I deal with people that live beyond their means EVERY DAY, and make a killing off of them. IMO-if your yearly Gross could not pay off your house, you should not be in the house. But Im old school, plan for the worst hope for the best. Shitty thing about not being in debt-is being ask to pay off other's (family's) debt.

Sure? I mean your guy's guess is as good as mine!

http://sharkeysauto.com/inventory/1Z87L8S432914/DSC_0551.jpg http://sharkeysauto.com/inventory/1Z87L8S432914/DSC_0557.jpg http://sharkeysauto.com/inventory/1Z87L8S432914/DSC_0560.jpg http://sharkeysauto.com/inventory/1Z87L8S432914/DSC_0563.jpg The Crack in the body work. http://sharkeysauto.com/inventory/1Z87L8S432914/DSC_0559.jpg As you can see, its just at the corner. The rest of the black down the side is a rub mark. The actual crack is less than 12 inches long. http://sharkeysauto.com/inventory/1Z87L8S432914/DSC_0565.jpg http://sharkeysauto.com/inventory/1Z87L8S432914/DSC_0567.jpg Interior http://sharkeysauto.com/inventory/1Z87L8S432914/z1.jpg http://sharkeysauto.com/inventory/1Z87L8S432914/z2.jpg http://sharkeysauto.com/inventory/1Z87L8S432914/z3.jpg http://sharkeysauto.com/inventory/1Z87L8S432914/3.JPG Frame Mount. http://sharkeysauto.com/inventory/1Z87L8S432914/5.JPG Like I said. She's not perfect-but great for the money!

Yes and yes. Interior is 6 out of 10. All there, cracked dash, sun faded pass seat, carpet is good. Needs some TLC. I'll just post more pics here.