Thank you so much for sharing you knowledge & wisdom. I've pick up some great info. I'm so glad I found your channel. I might have to file ch.7 of for the 1st time in my life. Go figure I'm bad with money and moving from mid-west to now living in S. Cali. puts me into this mess. But I created this mess now I have to clean it up. Again thank you sir for this great info. I subscribe and liked..God bless you.
Thank you so much for the kind words - this is so encouraging! Feel free to give me a call at 833-272-3631 if i can answer any questions? We also have a bankruptcy parter in S. Cali that provides free consultations if that's helpful to you. Regardless, thanks again!
@@AscendFinance one is only month behind because it’s my credit union and I get direct deposit through them and don’t want them closing account. One is at Midland (junk debt buyer) one I settled on for 50% off and making last of 3 payments in two weeks. Still have a large Capital One card $14,000 that’s 6 months delinquent that will be hardest to negotiate, and $9,000 charged off Citi Card which I hope to work out a settlement with next. Bankruptcy (CH/7 I have too much disposable income for, apparently, even though I am under the annual median income as a single person in my state, CH-13 although probably beneficial considering my past due taxes but I don’t want to be trapped in a 5 yr plan. Would feel like a parolee having to constantly be checked on by a Parole officer (trustee/courts).
Thanks for sharing all of that. Super helpful - it's clear you've been comparing options - nice work! For Capital One and Citi, it sounds like they are close, if not ready, to be settled on. You could do it yourself or we could jump on a call and see whether there are any companies out there worth checking out. If you want to text me at 833-272-3631, we can chat more there! Thanks!
Thanks - you'd want to take the Above Median Calculator that should take more expenses into consideration: tryascend.com/qualify/bankruptcy/ch7/aboveMedian The idea of the calculator is to provide a high level free estimate so you can have an idea of where you stand without having to speak with an attorney! Hope that clears up your confusion!
Hey Spencer, oh yeah - you just have to select "none of the above" and it doesn't even ask for your email! To clarify further, it's on the last page before submitting. It asks how you would like your requests presented. There should be a few options, one being "none of the above". Hope that clears up your confusion!
Thanks for watching! As I mentioned, feel free to take our Free Debt Options Calculator: tryascend.com/qualify/calculator/quick/ytdsbk24
@@AscendFinance but can u help if I’m in nj? Because I will call Monday morning
Thank you so much for sharing you knowledge & wisdom. I've pick up some great info. I'm so glad I found your channel. I might have to file ch.7 of for the 1st time in my life. Go figure I'm bad with money and moving from mid-west to now living in S. Cali. puts me into this mess. But I created this mess now I have to clean it up. Again thank you sir for this great info. I subscribe and liked..God bless you.
Thank you so much for the kind words - this is so encouraging! Feel free to give me a call at 833-272-3631 if i can answer any questions? We also have a bankruptcy parter in S. Cali that provides free consultations if that's helpful to you. Regardless, thanks again!
@@AscendFinance Thank you I appreciate you for helping us folks.
My pleasure!
I got some credit cards Capital One and got behind I got Crossroads that freedom
Thanks sorry I am behind on comments - Any chance you can call me/us at 833-272-3631? Would love to chat through it.
I with ascend. Hope with time my credit score goes up. Hope to retire by 2026
Awesome! I hope so too!
What about settling debts with creditors yourself?
Yes that's definitely a possibility. Is everything already past due?
@@AscendFinance yes but not all charged off, yet
@@AscendFinance one is only month behind because it’s my credit union and I get direct deposit through them and don’t want them closing account. One is at Midland (junk debt buyer) one I settled on for 50% off and making last of 3 payments in two weeks. Still have a large Capital One card $14,000 that’s 6 months delinquent that will be hardest to negotiate, and $9,000 charged off Citi Card which I hope to work out a settlement with next. Bankruptcy (CH/7 I have too much disposable income for, apparently, even though I am under the annual median income as a single person in my state, CH-13 although probably beneficial considering my past due taxes but I don’t want to be trapped in a 5 yr plan. Would feel like a parolee having to constantly be checked on by a Parole officer (trustee/courts).
Thanks for sharing all of that. Super helpful - it's clear you've been comparing options - nice work!
For Capital One and Citi, it sounds like they are close, if not ready, to be settled on. You could do it yourself or we could jump on a call and see whether there are any companies out there worth checking out. If you want to text me at 833-272-3631, we can chat more there!
Thanks!
Do not use the website it doesn’t take many things into consideration and pretty much “unqualifies you” such a crap website honestly.
Thanks for the comment - could you clarify what you mean? Did you take the part 2 of the means test as well?
@@AscendFinance childcare expenses is not factored in on your website shorting a failed means test and a few other things not considered
Thanks - you'd want to take the Above Median Calculator that should take more expenses into consideration: tryascend.com/qualify/bankruptcy/ch7/aboveMedian
The idea of the calculator is to provide a high level free estimate so you can have an idea of where you stand without having to speak with an attorney! Hope that clears up your confusion!
Debt Calculator asks for email and phone number btw, unlike he said in this vid.
Hey Spencer, oh yeah - you just have to select "none of the above" and it doesn't even ask for your email! To clarify further, it's on the last page before submitting. It asks how you would like your requests presented. There should be a few options, one being "none of the above". Hope that clears up your confusion!