I'm depressed...we have to sell DVC

[Pooh Girl 71]

It must be so nice to sit in judgement of others and tell people what they should and shouldn't do. If you can't be supportive or say something nice to someone who is feeling bad, why do you say anything at all?

 

[Blondie]

I'm sorry you are going through this Robin, I'm sure it can't be easy. You hang in there.

 

[Disney Enthusiast]

I'm so sorry!

 

[EsmeraldaX]

Robin,

My BF had to file for bankrupcy when his small business went under. Very similiar to you. His personal bills were okay, but the business failed.

This was years ago. Luckily I have never had to do that but I know from him that there are different levels of bankrupcy. I know with his, it was not a total wipe out of the debt. It wasn't fun for him either but he survived and got his finances back on track. (and to the OP he does feel sympathy AND empathy for you and he and I both wish you the best).

I'm sorry some people are being so nasty to you. Quite frankly, some of them are just uncalled for. I can see if you have some advice to give someone in the OPs situation, but to just respond to be cruel is just mean. I hope these people never fall on hard times and post looking for advice or to vent.

 

[tonyswife]

Originally posted by Dopey Sharon
If they can afford a trip, anywhere, they can afford to pay their bills and wouldn't be filing bankrupcy.

"paying their bills" and "business going under" are two different things. These kinds of laws are created so that people will be wiling to take the personal financial risk and start businesses, which stimulate the economy and create jobs.

I don't understand the mentality of some people on this thread.

I don't understand getting all worked up about a situation about which we know very little.


To the OP, again, I'm sorry this turned into yet another debate.

 

[goofy4tink]

Yikes people!!! Why so harsh? What difference could it possible make to all of you whether or not Robin takes a vacation after filing bankruptcy? Yes, I know about the 'we all end up paying for the debts of those who file bankruptcy'. But, there are some instances where it is unavoidable. Sounds like this is one of them.

I did have a friend and her dh who literally ran a business into the ground, blamed everyone else in the world for their problems, filed bankruptcy, lost the house...the whole shebang. You don't think it irritated the living **** out of me when they moved to Calif, rented a beautiful condo, leased two beautiful cars, took cruises, had vacations of two or more weeks each year...all the while I was scrimping and saving in order to stay current on my bills? Sometimes we get a little behind as it is. But, we have found that vacation time is as important as most other bills. So, we go every year. Even if I have to juggle things around to do it.

So, I'm sorry to hear of your troubles Robin. Hang in there. And if you have to sleep in the AllSTars...hey, who cares?? You'll be in WDW with your family. LIfe is waaaay too short.

Ease up people. There but for the grace of God go we all!!! Thank heaven some of you budget better than the rest of us!!!

 

[Carl]

I can give another example of bankruptcy. I owner financed a house for someone and they got a whole year behind on the payments. I was willing to let him go until he finally found a way to pay - BUT the school district was NOT. The school district sent both him and me a warning that they were going to take the house if the taxes were not paid. I had to go hire a lawyer to tell me what to do and he sent a letter to the school district to tell them that I was foreclosing on the house and that I would pay the taxes after I got the house back. He sent a warning to the man telling him that we had to foreclose if he did not pay the back house payments and the taxes.

Well, the man filed bankruptcy. Now I have to wait in line to be paid. I can tell you that with him owing me over $8000 and taxes of at least that amount, that I would not look favorably upon him taking an expensive vacation right now. Every penny he gets should be paid toward his creditors.

This is not to say that I don't feel sorry for him (as well as the original poster) but it is a matter of doing what is right.

 

[phorsenuf]

Here's a link to her thread explaining the situation. Seems to me they took a $125,000 loan out for the business (using the house as collateral) and now the bank called in the note. I don't know about you, but I certainly wouldn't be able to come up with that kind of money on short notice! If you read thru the thread it seems that all their personal finances are in order.
So before attacking, perhaps you should know the whole story!

Sorry about whats happened Robin. Just seems lately your darned if you do and darned if you don't. Can't even blow off any steam around here anymore without getting jumped and making things worse. Hope all works out OK!


http://www.disboards.com/showthread.php?s=&threadid=628507

 

[Rock'n Robin]

Wow, I got back from taking DD to dance class and I'm feeling a little overwhelmed.
First I should clarify--I didn't have an entire trip planned--I booked 4 nights with our DVC points knowing full well things would not work out. I thought that just in case things turned around by next summer, at least we would have our lodging. It didn't work out anyhow. Nothing was remotely "paid for" unless you consider that the points would have paid for the room.
And yes, as some of you remember, I was not having any problem at all with our personal bills. I never had a late payment on the house or the car or the utilities. However, I signed on a business loan a couple of years ago and I also had to declare to save our home--which, again, I have never missed a payment on.
I like to dream about our next Disney trip; I had really wanted to go next summer because of the Disneyland 50th anniversary thing. While DH is getting checks from his new employer, I don't know if we'll be able to save enough to even consider it.
The bulk of the liabilities on our filing belongs to the business. DH owned the business. I would not have had to file if I had not signed that loan just before 9/11, when the home remodeling industry went into the toilet. I almost feel like apologizing to some posters who feel I'm sponging off of the government or something, except I did what was best for my family in saving our home. That is so much more important than any Disney trip. But I still need the ability to dream about the next one. Who knows, maybe next spring DH will sell like crazy and we'll be able to swing it.
Really, I wouldn't wish this on anyone, and believe me DH worked long and hard to try and save the company, working on a shoestring for the last couple of years and not paying himself for the last 4 months of the company's life. It's not fun going from one to two salaries and thank God I have insurance.
Thanks for the support from those of you who sent hugs and good wishes.
Robin M.

 

[tonyswife]

Originally posted by Dopey Sharon
I'm sorry that I'm not the "pixie poop and fairy dust" type of person. If someone is going to post, on a public board, things that I do not agree with or understand their thinking about, why is it not ok for me to say what I think?

Oh, you have that "right" but it's rude. I mean, that just my opinion, so it's perfectly ok for me to post it.

I'm sorry, but trips to WDW are not the answer to your problems,

Frankly, I don't think you have any idea what the answer to her problems is since you don't know what her problems are.

I always try to be civil on these boards, I really do, even when in the midst of a heated debate, but I really cannot fathom how someone could be SO cold hearted and mean when all this person wanted was to vent.

You want to talk about how bad bankruptcy is? Fine, start a thread, don't poop all over Robin, she's already having a bad day.

 

[littleclover]

Wait, flame suit on and properly zipped....

Ok, I agree with everyone here that says, go on your vacation and enjoy the day. I have been through way to much, financial and personal wise. I have not filed bankruptcy but came very close to it. Pulled myself up and whatever was written off, forgot about and paid off the rest. Dealt with every scum bill collector that works in the industry. I even had to scream in the phone one day telling the bill collector I was not paying a bill so I could pay for my newborn's funeral and she had the NERVE to tell me my bill should be paid 1st!! I don't think so.

Fast forward 10yrs, all credit cards are up to date, car is paid off at the end of this year and I take a couple of vacations a year. It takes a while but it all gets done. Some things are sacrificed, I should be owning a home instead of renting and I should have some new clothes but I leave that for my son.

People need to chill...life is too short!

excuse the long post.

 

[EsmeraldaX]

Best wishes to you, Robin.

 

[disneyworld!]

I am gonna bite my lip on this one....your gonna have to look over some of the people here..they can get VERY NASTY!
I say good luck with what you need to do, and maybe use "ignore".......I know all TO well!
good luck

 

[Pooh Girl 71]

It's a free country, you can have any opinion you want and even post it all over these message boards if you like. I just don't get it that some of you feel the NEED to be mean to people and then just state you were giving your opinion. Do you do this in real life too?

 

[Lucky4me]

This is totally different than having a great time racking up thousands in CC bills and filing.
They had a business go under! Totally understandable situation. I am probably the most unpixie dust person on this board and I can't believe how ignorant some of you are!!


Robin, hopefully you can wipe out most if not all of your consumer debt since you are being forced to file personally as well. Then you can start over and save for that vacation. Have you ever thought about staying off site in a timeshare resort? There are some gorgeous places very close to the parks. We find some on par with BWV and some even nicer than OKW. Thanks to Skyauction, we go on several vacations a year very cheaply.

Please know that it's not the end of the world and please ignore the ignorance of some people on this thread.

 

[Dopey Sharon]

Originally posted by tonyswife
Oh, you have that "right" but it's rude. I mean, that just my opinion, so it's perfectly ok for me to post it.

Yes, it is ok for you to say post that...it's how you feel. Your opinion of me is that I'm rude, and that's ok.

And, you're correct, I don't know Robin's problems are. I read that someone had to file bankrupcy but they are going to WDW. I don't feel as though the two should go together, BUT that's my opinion. Obviously I'm in the minority here.

 

[luckywife]

Sorry to hear about what you and your family are going through.
You have nothing to be ashamed of, keep smiling and hold your head high.
Sometimes life stinks but it will all get better with time. Best of luck to you.

 

[shortbun]

Good luck Robin!!!

 

[Beauty]

Clover that is AWFUL!!!! How do people like that live with themselves??

When DH and I had been married about 2 years we had a really rough times. We had an infant and DH lost his factory job due to it going out of business. I had severe depression and anxiety that almost took my life and was in and out of the hospital at least once a week, sometimes more. We survived about 3 months on what little savings we had and help from my parents.

Well one day a Dept. Store Bill Collector called, we were over a month behind. Well you know the spill.......blah blah blah pay or else. So I tried my best to explain the situation, NOPE didn't work. She told me we should get money from our family. I said we had and our home, car, utilities had to come first. Not according to her. I finally told her LOOK YOUR CC IS UNSECURED, I'm NOT working, DH isn't working, we have NOTHING so do whatever you think you have to!!!!!! I finally got to the point where I would just laugh at her when she called. Mean? Rude? Yep, probably but we were literally doing the best we could and her constant threats and calling wasn't going to solve the problem or make us poop money from our butts. Thank goodness DH got a job and we were able to catch up our payments. That was gosh 10 years ago and I still remember that lady's attitude.

Sorry, again I say Life is tooooo SHORT for ANYONE to act like that!

 

[crazyme5kids]

Good luck to you and don't stop dreaming and planning your trip. After all, dreaming and planning doesn't cost anything and sure does help lift your spirit up when you are feeling down or stressed out- at least it does the trick for me anyhow.

Just remember:

A dream is a wish your heart makes
When you're fast asleep
In dreams you lose your heartaches
Whatever you wish for you keep

Have faith in your dreams and someday
Your rainbow will come shinning thru
No matter how your heart is grieving
If you keep on believing

The dreams that you wish for come true