MckMama Drama - Including the Fire - Merge

[Witsec7]

December 14, 2011 at 10:40 am

We aren’t going to be legally forced into paying our debts back; we are just choosing to because we feel it’s right. There is a difference between being required to pay back debts and intending too. When you said we have “no intent to pay back†our debts, that isn’t true. We do and we are and we have been. We are going to continue even though the rules of our bankruptcy won’t require us to. Hope that helps it make more sense

[Beeks]

December 14, 2011 at 10:40 am

We aren’t going to be legally forced into paying our debts back; we are just choosing to because we feel it’s right. There is a difference between being required to pay back debts and intending too. When you said we have “no intent to pay back†our debts, that isn’t true. We do and we are and we have been. We are going to continue even though the rules of our bankruptcy won’t require us to. Hope that helps it make more sense

Forgive me for knowing nothing about bankruptcy, but if you plan to and are in the process of paying off all your debts, what's the point of filing? Does it just stop creditors from bugging you, or?

[Witsec7]

BKs stop garnishments and law suits. Some of their debts were already reduced to judgements and from the looks of the filing MrMackMomma was also having his wages garnished. So it would stay the garnishment.

I read further and they can pay after the bk has been executed, not during the filing process. So clearly she's lying.

[Wolfie]

She isn't concrete on saying a payment was made, she merely expresses intent. A commenter on the blog did trip her up with regards to her charitable contribution claims.

Its interesting that in the bankruptcy its not just medical expenses, which are a pretty common reason for folks to BK now a days, but huge tax bills, credit card bills. And she claims to have spent $800 on a goat! WTF goats are free. Even at a stock auction, the max a person around here would pay for a toggenburg would be $50, if you're into a milk goat, why not buy a saanen or white swiss? The women's head is definitely up her ass.

Maybe nobody would sell to her, and somebody finally gave her a crazy price to try to make her go away?

[theologygeek]

She isn't concrete on saying a payment was made, she merely expresses intent. A commenter on the blog did trip her up with regards to her charitable contribution claims.

Its interesting that in the bankruptcy its not just medical expenses, which are a pretty common reason for folks to BK now a days, but huge tax bills, credit card bills. And she claims to have spent $800 on a goat! WTF goats are free. Even at a stock auction, the max a person around here would pay for a toggenburg would be $50, if you're into a milk goat, why not buy a saanen or white swiss? The women's head is definitely up her ass.

What kind of tax bills? It's not easy to get some types of taxes discharged. Some aren't discharged at all.

[Witsec7]

IRRC state taxes.

[theologygeek]

BKs stop garnishments and law suits. Some of their debts were already reduced to judgements and from the looks of the filing MrMackMomma was also having his wages garnished. So it would stay the garnishment.

I read further and they can pay after the bk has been executed, not during the filing process. So clearly she's lying.

I don't know what you mean by executed. Do you mean dismissed?

[Witsec7]

Thanks geek, I was looking for the word, I think its discharged.

[theologygeek]

Thanks geek, I was looking for the word, I think its discharged.

That's the word I meant too. LOL I had dismissed in my head because I was wondering if her tax claims would be dismissed. Here are rules for getting the taxes forgiven. http://taxes.about.com/od/bankruptcy/qt ... cy_tax.htm If she doesn't meet the requirements, they will dismiss that part and she will still owe the taxes.

[Witsec7]

I think these folks haven't paid any tax bills in ages, I say that not based in fact, just because they are pretty screwed up. Heck a year ago she split from her husband, the reconciled and she got knocked up again. These are fundys I love to hate. But who knows, there may be justice and perhaps they'll get stuck with the tax bills.

[theologygeek]

BKs stop garnishments and law suits. Some of their debts were already reduced to judgements and from the looks of the filing MrMackMomma was also having his wages garnished. So it would stay the garnishment.

I read further and they can pay after the bk has been executed, not during the filing process. So clearly she's lying.

I agree that she is lying. The whole point of a Chapter 7 is to have the bills forgiven. I was looking at the pdf of her bankruptcy and some of the bills are small. I saw one that was for $10. She's doing the "throw every single possible thing on there" bankruptcy. If she wanted to pay some bills back, she would have left them off the list. The lawyer asks you if you want to leave anything off and if there is anything you'd like to pay back. It's a "speak now or forever hold your peace" type deal. Besides, you can't pay back the bills even if you wanted to after the bankruptcy is discharged. All the balances go back down to zero.

If she wanted to pay her bills back, she would have done a Chapter 13. But they would have never approved a Chapter 13 because she doesn't have the income to pay all that back in a five year period. She would have to pay $4,112 a month for five years. The income listed couldn't cover that plus her living expenses.

[Kaylee]

If she wanted to pay her bills back, she would have done a Chapter 13. But they would have never approved a Chapter 13 because she doesn't have the income to pay all that back in a five year period. She would have to pay $4,112 a month for five years. The income listed couldn't cover that plus her living expenses.

Not only that, but she probably would not want the accountability that comes with a Chapter 13.

With a Chapter 7, you're pretty much free to do what you want after it's discharged. With a Chapter 13, the court looks over your income and budget, sets a repayment plan that takes those into account, and you must stick to it for 3-5 years. If you have more income, gifts, etc, then they go towards paying the debt, and you're somewhat restricted in what you can do financially. A Chapter 13 trustee probably would not look kindly on her travelling to Africa and things like that while in a repayment plan.

[theologygeek]

Half a mill in debt? My goodness.

If anyone here has seen Til Debt Do Us Part with Gail Vaz-Oxlade, I imagine Gail would've had a field day with these two. I doubt they would've listened to her advice but still.

I was half asleep last night and saw $248k in debt on the pdf. It's more than that? Goodness.

[amydamy]

I agree that she is lying. The whole point of a Chapter 7 is to have the bills forgiven. I was looking at the pdf of her bankruptcy and some of the bills are small. I saw one that was for $10. She's doing the "throw every single possible thing on there" bankruptcy. If she wanted to pay some bills back, she would have left them off the list. The lawyer asks you if you want to leave anything off and if there is anything you'd like to pay back. It's a "speak now or forever hold your peace" type deal. Besides, you can't pay back the bills even if you wanted to after the bankruptcy is discharged. All the balances go back down to zero.

If she wanted to pay her bills back, she would have done a Chapter 13. But they would have never approved a Chapter 13 because she doesn't have the income to pay all that back in a five year period. She would have to pay $4,112 a month for five years. The income listed couldn't cover that plus her living expenses.

Once the bankruptcy is final all the businesses will write off her balances to bad debt. If she starts sending them money it will just cause more work for them we've had it happen at our company and it's annoying.

[GolightlyGrrl]

Am I reading that right? They have between $500k and $1M in debt? Yikes!!

Damn, these people are like hip hop stars! Their debt is positively gangsta!

[Witsec7]

Bottom line: 246,765.07 unsecured debt

[Sinister Rouge]

A few other thoughts...Considering Israel is making $9 per hour at his factory job, and Jennifer is only bringing in $1500 with photography (if you really want to call it that) and blogging and they are reportedly paying back all the debt they just filed bankruptcy for, WHY are they still buying shit like Petunia Pickle Bottom Ergo carriers, Angry bird hats and new matching shirts for the boys? And WTF with sponsoring two new children when they already sponsor at least 4 which must cost at least $140 per month, and they're now adding another $70?

:evil:

But you guyyyyyyys!

She saves toilet paper rolls ALL WEEK to make crafts!

And do you see where she keeps her limes now?

In a GIANT PICKLE JAR!

:o

Not even in their own lime bowl!

:shock:

In

a

rinsed

out

JAR.

And her $800 goat has saved them at least,

like,

$200 in milk and cheese.

:dance:

So,

like,

stop being such meanies,

she's totes gonna pay it all back

:shifty:

becuz shez sooooooo frugal!!1!

[Beeks]

I don't understand how ANYONE could get into this kind of debt. It's not like she was down on her luck and buying necessities like food and diapers on credit. That I get. It's the, what, $13k in TARGET debt???? WTF? I like Target as much as the next gal but how could you possibly enjoy anything you bought knowing you couldn't pay for it and had all this debt just adding up and crushing down on you? I'd be in a constant state of panic! How do people get into these situations?

[GolightlyGrrl]

I don't understand how ANYONE could get into this kind of debt. It's not like she was down on her luck and buying necessities like food and diapers on credit. That I get. It's the, what, $13k in TARGET debt???? WTF? I like Target as much as the next gal but how could you possibly enjoy anything you bought knowing you couldn't pay for it and had all this debt just adding up and crushing down on you? I'd be in a constant state of panic! How do people get into these situations?

I agree. I totally understand debt due to a mortgage, student loans and medical bills. And some people get into a small amount of credit card debt so they can pay for mere necessities. But I have a feeling a lot of this debt is due to McKmama's greed.

[Angri-la]

So she thought the gravy train would never stop, apparently. I cannot imagine being that far in debt, and she has pretended for so long to be so much better than others, I find it difficult to have much sympathy for her. She lost a lot of her revenue for plagiarizing, and I have 0 sympathy for that. And the disgusting way she exploits her children. I can't even convince myself to post a picture of my child on a website, let alone a bath photo tagged with sexual words! Reaping what one sows, indeed. Couldn't happen to a nicer gal.

I recall her spending money on houses, cars, endless restaurant trips, water parks! Expensive clothing for her children and herself, trips, spa treatments, expensive home furnishings. Once the cracks started to yawn, it was obvious she was spending money faster than she was making it, and it was a lot--a lot! Who spends that much at Target? Wow. I know she has a bunch of children, but still.

It appears most of the medical care was for her MDERVs (Many Dramatic ER Visits). Why wouldn't someone who makes so much money carry at least some kind of insurance? Oh yeah, because she can just run away from her debt.

This is not the kind of person I want my tax dollars going to, especially since she espouses anti-socialist and bigoted ideas.

This is no the kind of person who deserves her debts to be forgiven; I know there are legit bankruptcies, I do. This one is just because two people were immature, greedy, and irresponsible.

I did not misunderstand a damn thing!

[dawbs]

Once the bankruptcy is final all the businesses will write off her balances to bad debt. If she starts sending them money it will just cause more work for them we've had it happen at our company and it's annoying.

Doesn't it also wonk-up the bankruptcy?

This is an area I know NOTHING about, but I remember my grandpa saying that he was often re-paid by people who asked him to keep the fact that he'd paid them quiet, otherwise it would have screwed w/ their bankruptcy (they paid gramps because gramps was the sort of softie who was extending credit against the rules to make sure people had heat)--that they if they were seen as being able to repay some debt, it would have invalidated their ability to file.

Of course, that would have been eons ago, so maybe that's just old-skool rules?

[Kaylee]

Doesn't it also wonk-up the bankruptcy?

Yes. Not so much in a Chapter 7, if she waited until it was discharged to pay them back (in which case it's still odd for the business taxes, because it is considered a type of gift, rather than a repayment), but it can cause a Chapter 13 to be dismissed (cancelled) and can do the same for a Chapter 7 if she's in the process of filing. The courts see it as a way to "pick and choose" which debts to repay, rather than giving them the equal consideration the law gives them.

[dawbs]

Yes. Not so much in a Chapter 7, if she waited until it was discharged to pay them back (in which case it's still odd for the business taxes, because it is considered a type of gift, rather than a repayment), but it can cause a Chapter 13 to be dismissed (cancelled) and can do the same for a Chapter 7 if she's in the process of filing. The courts see it as a way to "pick and choose" which debts to repay, rather than giving them the equal consideration the law gives them.

So she's illegally using it as a way to pick and choose.

and claiming she'll repay and pretending repayment according to her gut feelings instead of the law is the moral upstanding thing to do. :/

[She Who Laughs]

I don't understand how ANYONE could get into this kind of debt. It's not like she was down on her luck and buying necessities like food and diapers on credit. That I get. It's the, what, $13k in TARGET debt???? WTF? I like Target as much as the next gal but how could you possibly enjoy anything you bought knowing you couldn't pay for it and had all this debt just adding up and crushing down on you? I'd be in a constant state of panic! How do people get into these situations?

It could be a SuperTarget and they have been buying all their groceries there on credit. I haven't read enough of her blog to know if she ever mentions where she grocery shops. Lots of people who are struggling financially will put groceries on credit cards...a dumb move in my opinion, but better than starving.

[Alecto]

Most Target credit cards aren't JUST for Target. It's a Visa or Master Card that gives you Target rewards.