An Onymus (imported) wrote: Fri Jun 04, 2004 7:49 pm
I have to compliment you on staying on schedule with your Chapter 13. Still, I guess you must know that most credit experts say a debtor is usually better off, if he simply takes a Chapter 7, gets it over with, and starts rebuilding his credit, instead of doing years of payments in Chapter 13--and, most likely ending up unable to complete the payment schedule. You might consider incorporating, then starting to develop a clean credit record for the corporation, so you'd be able to borrow money via the corporation, if it turns out that you fall out of Chapter 13.
I had no choice as far as 7 vs. 13 goes. There is a part in the Bankruptcy Laws that states a Trustee can object to a Chapter 7 IF you have a steady source of income and some "disposable income" after budgeting for :reasonable and necessaey expenses". In such cases, the Trustee files with the court an objection to your Chapter 7 on the grounds of abuse of the system.
And if BARF goes through (the Bankruptcy "reform" Act"), more will be forced into Chapter 13 plans that don't have any chance whatever to succeed. As you might guess, BARF is mostly the work of the Credit Card Companies.
I keep getting e-mails requesting more news about the four cats. Still, I am not sure how the other members of the Newsgroup might react to daily postings. But the cats ARE doing well.
Czarina mostly behaves herself when I am with her, not hissing or swatting at the other cats. The cats have more or less accepted that my bed is neutral territory, and Czarina has learned to behave herself. In return, Fluffy and Silver allow her "first petting rights" in bed.
Max has withdrawn to the top of his cat condo. He expects me to come to him and pert him. He no longer jumps on my bed. I am not sure what is causing this withdrawal. Fluffy and Silver do not hiss or otherwise attack him. Maybe that is the problem. Fluffy and Silver are so closely bonded that they have no room for Max.
Speaking of which, Silver still "nurses" from Fluffy, purring away. Fluffy lies on her side, seems content enough, and even grooms Silvers head. Strange, but harmless, I suppose. It seems to be between consenting adults. I have seen no further attempts by Silver to mount Fluffy. That mighty swat she gave him the last time he tried seems to have been the cat equivalent of "what part of NO do you fail to understand?"
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Meanwhile, the countdown to my cataract surgery on 8 June proceeds, and I keep trying to remind myself that 19 out of 20 such operations are a success. Yet somehow my alcoholic mind keeps obsessing on that 1/20 that fail. I saw the technician last Thursday, who measured me for my new lens. I saw Dr. Dugel Friday, who assured me all was going well. My mother sent the $500 I needed to pay the eye Doctor up-front, and I hope to pay her back on my next paycheck (18 June)
I was indeed able to get 5 days sick leave from the Post Office. My scheduled days off are Sundays and Mondays, so I am off work from today, 6 June, until 14 June. 15 June I return to work. However, this means I lose 7 and 14 June as overtime days. I was supposed to get my teeth done on 14 June, but am still $400 short there. No problem, we can reschedule for July. I mean, Im not going on vacation anywhere.
But right now, all is peaceful here in the Cat Harem. Before typing this I cleaned out the litter boxes. The cats understand that this daily routine mean I may be leaving the apartment for 10 hours to go to work. As such, by 2 PM they have settled in. Fluffy and Silver will be on my bed, as they are right now. Max is always on the top of his condo, looking pathetic. Czarina is 7 feet up in The Loft, looking down at all of us regally.
But this is my day off, so I think I will join them for an afternoon nap. Peace be to all.
