SO upset and frustrated!!

[LIDisneyFan]

. It seems that corporations (that aren't nameless or faceless - they're made up of people) can be as unethical and crooked as they want to be and it's looked upon as 'just business as usual' and applauded. Yet let an individual or many individuals repeat that exact same behavior and they're stoned, shunned and driven from our midst.

Actually, corporations are also subject to many restrictions after filing bankruptcy - including denial or extremely limited access to funding, inability to deal with certain givernment or public agencies, loss of the public's trust (which impacts sales), etc. They are certainly not 'appluaded'.

Everyone, including the nameless, faceless corporations suffer the consequences of bankruptcy.

 

[ilovemk76]

Yes, interesting. That, along with the OP and the vacation plans ceraintly go together to show a pattern of not thinking and planning appropraitely with finances--as opposed to someone who is really doing everything rigth and just caught up in terrible circumstances beyond their control.
This is exactly the type of thing we see more ad more of. People are not learning from past mistakes but just repeating them over and over again--partly because as a society we are so quick to jump in and defend them and insist that they made no mistakes but were simply victims of circumstance--then THEY believe it too and the whole cycle just goes on again and again.

This person is an excellent example of why I don't believe most bankruptcy is cause by medical problems.

They built thier financial future on a house of cards and then a single medical bill toppled it. That medical bill was just the catalyst not the true cause of the bankruptcy.

 

[kristen821]

Wow, I can't believe what this thread turned into. Someone actually googling and posting information about someone is sickening. It's nobodies business why or when someone file bankruptcy! Posters that came to the op's defense never said they knew her situation and nobody said if she handled her money correctly or not! People were just saying not to be so quick to judge since there are different circumstances. The bankruptcy was filed almost 2 years ago and I doubt the OP went to WDW when she had to file bankruptcy. I have been appalled a lot on this board but honestly I think this takes the cake!

 

[LIDisneyFan]

It's nobodies business why or when someone file bankruptcy!

I agree with is a little more than a little twisted that someone would google someone's info from a message board. However, you did make one mis-statement - - when you file bankruptcy it is a public record. Public records are that because they are meant to warn or inform people - so it is other people's business.


Just maybe not the people here!

 

[Swan4Me]

and I doubt the OP went to WDW when she had to file bankruptcy. I have been appalled a lot on this board but honestly I think this takes the cake!

No-but her DH is currently unemployed & she "works at a school" (doesnt sound high paying)-and they are flying to WDW in 4 months.

Googling her username shows her begging in the Net to pay her light bill-I never realized there was a site for something like that

 

[Mrs. Sojourner]

My MIL gets frustrated with this too. I feely badly for the people it effects and it is understandably frusrating, but in today's job market I understand why employers are doing this.

Hoping he finds something soon!

 

[kristen821]

No-but her DH is currently unemployed & she "works at a school" (doesnt sound high paying)-and they are flying to WDW in 4 months.

Googling her username shows her begging in the Net to pay her light bill-I never realized there was a site for something like that

But, we still don't know how she paying for the trip. Maybe someone is paying for it. Maybe she is back on her feet and used her income tax refund, maybe she won the lottery. We don't know and it's not our business. I just think it's crazy that it was googled like that. It's just my opinion but it really disgusted me. It is crazy that there is a site like that but even if it was looked up I don't think it was right to post it.

 

[kristen821]

I agree with is a little more than a little twisted that someone would google someone's info from a message board. However, you did make one mis-statement - - when you file bankruptcy it is a public record. Public records are that because they are meant to warn or inform people - so it is other people's business.


Just maybe not the people here!

I will agree with that statement. It's obviously somebody that is loaning her money's business and that is about it. Maybe an employer depending on the job

 

[NHdisneylover]

OMG. You spent time googling up the OP over a thread on a bulletin board? I'm so grateful that I'm frequently reminded of why I keep most of my private life to myself and am intentionally vague about details on the boards here.

Just....wow.

I do not see why not It is not much different than wasting time reading and posting here. I would not have thought to do it on my own--but I find it fascinating what was pulled up.

To me the "just....wow" comment would be better applied to someone who quits a well paying job to have a shorter commute without having planned and saved enough to cover basic bills in the lag between paychecks and then goes online asking strangers to pay their water bill and Easter basket. Then alter declares bankruptcy and has a sob story about still being unemployed yet has a WDW vacation in the works. I have a hard time understanding how someone can continue to be short sighted and not learn from their mistakes after so many--and yet then I read posts like yours dismissing it as not their fault and realize they are probably being told that all the time and this is greatly contributing to their mindset and then I want to apply the phrase to those like you Really, if we could ALL (yes, corporations too) stop blaming everyone else and shirking our responsibilities things would be soooo much better in the long run.

Yep. That's how I feel about it, too. It seems that corporations (that aren't nameless or faceless - they're made up of people) can be as unethical and crooked as they want to be and it's looked upon as 'just business as usual' and applauded. Yet let an individual or many individuals repeat that exact same behavior and they're stoned, shunned and driven from our midst.

When you're looking at who has the biggest impact on our personal lives, obviously it's the corporations that will hurt us the most, not the individuals. The financial meltdown of 2008 that we're still living today demonstrates that in a very crystal clear manner. But I guess since the individuals are within our reach, we (like any bully) will choose to beat up on the one who is smaller than us instead of taking on the larger nemesis.

Thank you all for once again giving me reasons to be grateful for so many things in my life and for all I have become. In the end, we don't take money, possessions or other people's opinions of us with us when we go. The only thing we take is who we are. Maybe that's why so many people are afraid of death?

I do not think the corporations should be allowed to do it either. I have never been a fan of the "so&so is allowed to so why can't I?" argument from my kids, an I do not really think it works in society either.

Juliet Gordon Low (founder of the Girl Scouts) said "Right is right, even if no one else does it." I love that quote

 

[NHdisneylover]

This person is an excellent example of why I don't believe most bankruptcy is cause by medical problems.

They built thier financial future on a house of cards and then a single medical bill toppled it. That medical bill was just the catalyst not the true cause of the bankruptcy.

Short, succinct and very well stated

Wow, I can't believe what this thread turned into. Someone actually googling and posting information about someone is sickening. It's nobodies business why or when someone file bankruptcy! Posters that came to the op's defense never said they knew her situation and nobody said if she handled her money correctly or not! People were just saying not to be so quick to judge since there are different circumstances. The bankruptcy was filed almost 2 years ago and I doubt the OP went to WDW when she had to file bankruptcy. I have been appalled a lot on this board but honestly I think this takes the cake!

Even without the other info (which the OP herself put out there in public, it is not like someone was sharing information given to them confidentially) it DOES matter that the OP filed for bankruptcy less than 2 years ago and is now going to WDW and her husband is unemployed. It is the crux of the whole issue.

There is virtually no way that someone in dire enough straights to HAVE to file bankruptcy less than two years ago can have recovered enough to have paid off debts and set aside a reasonable nest egg to cover any future unforeseen problems and then have money left for a trip to WDW in such a short period of time. The odds of that happening go even further down when you add in the unemployed husband.

But, we still don't know how she paying for the trip. Maybe someone is paying for it. Maybe she is back on her feet and used her income tax refund, maybe she won the lottery. We don't know and it's not our business. I just think it's crazy that it was googled like that. It's just my opinion but it really disgusted me. It is crazy that there is a site like that but even if it was looked up I don't think it was right to post it.

Even IF someone gave them the trip, there is still the issue that travel always incurs extra expenses of some sort AND that is time that the husband cannot look for work, cannot go on interviews and cannot be working a temp job or low paying job that he might be otherwise able to get in order to help out expenses.

Spending a tax return on WDW instead of saving it when someone knows first hand how quickly the house of cards can fall is terrifically irresponsible and exactly the type of thing we, as as society, need to start discouraging people from doing.

 

[Swan4Me]

There is virtually no way that someone in dire enough straights to HAVE to file bankruptcy less than two years ago can have recovered enough to have paid off debts and set aside a reasonable nest egg to cover any future unforeseen problems and then have money left for a trip to WDW in such a short period of time.

The odds of that happening go even further down when you add in the unemployed husband.


Even IF someone gave them the trip, there is still the issue that travel always incurs extra expenses of some sort AND that is time that the husband cannot look for work, cannot go on interviews and cannot be working a temp job or low paying job that he might be bale to get otherwise in order to help out expenses.

Spending a tax return on WDW instead of saving it when someone knows first hand how quickly the house of cards can fall is terrifically irresponsible and exactly the type of thing we, as as society, need to start discouraging people from doing.

Amen

-how on earth will he get a job and then say he has to take a weeks vacation?

 

[kristen821]

Short, succinct and very well stated

Even without the other info (which the OP herself put out there in public, it is not like someone was sharing information given to them confidentially) it DOES matter that the OP filed for bankruptcy less than 2 years ago and is now going to WDW and her husband is unemployed. It is the crux of the whole issue.

There is virtually no way that someone in dire enough straights to HAVE to file bankruptcy less than two years ago can have recovered enough to have paid off debts and set aside a reasonable nest egg to cover any future unforeseen problems and then have money left for a trip to WDW in such a short period of time. The odds of that happening go even further down when you add in the unemployed husband.


Even IF someone gave them the trip, there is still the issue that travel always incurs extra expenses of some sort AND that is time that the husband cannot look for work, cannot go on interviews and cannot be working a temp job or low paying job that he might be bale to get otherwise in order to help out expenses.

Spending a tax return on WDW instead of saving it when someone knows first hand how quickly the house of cards can fall is terrifically irresponsible and exactly the type of thing we, as as society, need to start discouraging people from doing.

There wouldn't be debt to be paid off since she filed bankruptcy. We don't know the situation and how the trip along with all the costs that go along with it are getting paid. Nor, do I personally care to know. I don't know how often her husband is looking for a job again nor is it my business. I don't live with him so I don't care. I just think it's not fair to bring up a post from 4 years ago when we don't know the person or her situation and even if you look it up out of curiosity then keep the information to yourself since you don't know what is going on. Has the OP even been posting. I'm sure she just wants this thread to go away. I feel bad for her. Weather she isn't the best at managing money or if circumstances were different I don't think anyone has the right to be so hurtful and judgemental. I'm sorry but this just rubbed me the wrong way.

 

[kristen821]

Amen

-how on earth will he get a job and then say he has to take a weeks vacation?

I've gotten a new job and told them I had a trip planned and asked if it was ok if I took the week off. I've also worked with human resources at a previous job and it happens all the time. It's not a big deal. People have lives that started before the new job.

 

[NHdisneylover]

There wouldn't be debt to be paid off since she filed bankruptcy. We don't know the situation and how the trip along with all the costs that go along with it are getting paid. Nor, do I personally care to know. I don't know how often her husband is looking for a job again nor is it my business. I don't live with him so I don't care. I just think it's not fair to bring up a post from 4 years ago when we don't know the person or her situation and even if you look it up out of curiosity then keep the information to yourself since you don't know what is going on. Has the OP even been posting. I'm sure she just wants this thread to go away. I feel bad for her. Weather she isn't the best at managing money or if circumstances were different I don't think anyone has the right to be so hurtful and judgemental. I'm sorry but this just rubbed me the wrong way.

Sigh. JUST based on the info the OP gave IN THIS THREAD I feel it is out of line. Depending on the type of bankruptcy filing there may or may not be debt to pay off. Regardless--there should not be much of any savings already after such a filing (as you wold have to spend that down first). So, essentially OP is setting herself and her family up for another collapse again by failing to plan for emergencies again--and going to WDW instead. THAT is what I am saying.

 

[SaraJayne]

There wouldn't be debt to be paid off since she filed bankruptcy. We don't know the situation and how the trip along with all the costs that go along with it are getting paid. Nor, do I personally care to know. I don't know how often her husband is looking for a job again nor is it my business. I don't live with him so I don't care. I just think it's not fair to bring up a post from 4 years ago when we don't know the person or her situation and even if you look it up out of curiosity then keep the information to yourself since you don't know what is going on. Has the OP even been posting. I'm sure she just wants this thread to go away. I feel bad for her. Weather she isn't the best at managing money or if circumstances were different I don't think anyone has the right to be so hurtful and judgemental. I'm sorry but this just rubbed me the wrong way.

OP said they filed Chapt 13, which means they still have debts they owe. Their were not cleared of all debt ~ that is Chapt 7.

Bankruptcies are public record...as is anything you post on the internet under the same username.

 

[SaraJayne]

Here's a link that has a quick, very basic rundown of the differences.

http://www.totalbankruptcy.com/overview/basics/chapter7-chapter13-comparison.aspx

 

[tlbwriter]

Even IF someone gave them the trip, there is still the issue that travel always incurs extra expenses of some sort

I've been lucky enough to be gifted with a trip (including airfare and dining plan) and I still spent hundreds of dollars of my own money. Even if you manage not to buy souvenirs (which is beyond my willpower ) it's difficult to not spend any of your own money at WDW.

 

[kristen821]

Sigh. JUST based on the info the OP gave IN THIS THREAD I feel it is out of line. Depending on the type of bankruptcy filing there may or may not be debt to pay off. Regardless--there should not be much of any savings already after such a filing (as you wold have to spend that down first). So, essentially OP is setting herself and her family up for another collapse again by failing to plan for emergencies again--and going to WDW instead. THAT is what I am saying.

I still think it was rude and uncalled for. If the person had true concern for the OP they would have posted that in a private message not on here to create a bashing of the OP. I don't know the person and I don't know the situation, so I can't say if I agree with the bashers or not. But, I like to give people the benefit of the doubt until proven otherwise. Now if she comes back saying I am in debt again (which, I doubt she even has a credit card to get into debt with) then I'll agree with everyone that she needs to go to money management classes, but until she comes and explains the exact situation I'm not judging.

 

[kristen821]

OP said they filed Chapt 13, which means they still have debts they owe. Their were not cleared of all debt ~ that is Chapt 7.

Bankruptcies are public record...as is anything you post on the internet under the same username.

Still debt that is most likely being paid off directly from her check at work. But, again not my business!

 

[kristen821]

I've been lucky enough to be gifted with a trip (including airfare and dining plan) and I still spent hundreds of dollars of my own money. Even if you manage not to buy souvenirs (which is beyond my willpower ) it's difficult to not spend any of your own money at WDW.

It's only difficult if you have money in your pocket, can't spend if you don't have a penny with you. I can go to WDW without spending a penny if someone gifted me a trip. I will be happy to prove it if anyone would like to give me one.