Now that's funny...

I've not really kept it secret that I filed for bankruptcy after trying my damnedest to make things work. Of course, I had no control over my ex-husband and his lack of responsibility and BK ended up being the only choice. :(

What I find funny is that I spent months BEGGING Wells Fargo to help me out a little with my car payment. I asked them to lower the interest rate, defer a payment, anything... and I was met with rude, snotty, condescending attitudes every time. So yesterday in the mail, I received a reaffirmation agreement from them. (If you don't know what it is, a reaffirmation agreement is basically restructuring the loan to "benefit" both parties, and the debt isn't discharged in the bankruptcy) They've "agreed" to eliminate $10,000.00 in neg. equity, reduce the interest rate by 7.95%, thus cutting the payment in half, and the terms would only be a few months more than the original contract. ~does that tell you how awful my original loan was?~

Anyway, I've already bought a new car. I'm letting Wells eat this one. Maybe if they had been a little more co-operative to begin with, well.....

And speaking of my ex's lack of responsibility, I'm visiting the DA tomorrow. He's been working since around Thanksgiving, and I've yet to see a dime in child support. According to the court order they are supposed to be garnishing his checks. He told me that he's supposed to mail a payment to the state. Uh-huh. Like that's gonna happen. He's been making over a grand a week for at least a month, he's not paid the mortgage, his truck payment and I'm supposed to hold my breath for his child support? Oh, and he bought my kids a Playstation 2 and they weren't supposed to tell me about it. They get to play it the whole 4 days a month they're with him. Wonder what else he's been spending his money on since its not his kids or his bills. So I'm gonna go pitch a fit and make them enforce the judges order that a wage garnishment is required. Hell, he didn't work for 6 months, so they need to get everything they can out of him while they can.

Anyway, I'm going to go for now. I need to clean my scrapnook so I can get something done. Wish me luck. :)

My Merry Christmas :)

It's been a fairly good Christmas this year. My kids are spoiled rotten, of course. :) Here's a picture of their loot before they could get to it. That's a lot of presents n' such, lol.

And here are their smiling faces this morning. :) I was so glad to see them happy. I have lots of pictures of them opening their loot, so I am going to (hopefully) get them developed and scrapped in this lifetime.

And this year, I got presents! I know that sounds weird, but typically, I only got gifts from my mother. But this year, my totally rocking boyfriend got me all kinds of goodies. He's so awesome!
He got me the Huge scrapbook kit from Costco. :), a jewelry armoire, a bluetooth headset, a very soft bathrobe and a very pretty ruby/diamond pendant. I think I'll keep him.


My mom got me a new set of cake decorating tips, a very cute snowman sign, a pressed fairy calendar, and some other cool stuff. She rocks too. :)




I also got a very cool gift from myself, although I'm not sure how I knew I wanted it, lol. I only have to make payments for the next 5 years.


This is my brand spanking new-to-me 2006 Dodge Caravan, complete with Sirius & a DVD player. This is the first car I've ever bought BY MYSELF. This is also another step to being free of my ex. Yeah me!

Anyway, now that I've shown off a little, I am going to go watch Pirates 3. Or take an nap. I can't decide.

Merry Christmas Everybody!

Last Published on Oct. 14th...... Or how I became the most hated woman in No. NV

Guess I should have updated before now.....there's been a lot of changes in Lemon's house.

*My paycheck before this last one was GARNISHED by my step-dad. Yep you read that right. Over a year and a half ago, my stepdad loaned my ex and I some money. Shortly there after, everything went to hell. I explained that because of the separation, money was tight and I wasn't sure when I could pay him back. I gave him a little money, and thought he understood. That's what I get for thinking apparently. This past summer, he sued us and got a judgement. He put a lien on our house. But that obviously wasn't enough. He filed the papers to garnish my wages....only he had them served to my ex's house. So I had no knowledge it was coming. Nice, huh?

*I filed for bankruptcy. No I'm not embarrassed. I was in over my head and it was time to do something about it. I have no money for an attorney so this will be an adventure. I filed pro se on 12.03.07. My creditors meeting is on 01.10.08. And I have a ton of papers to file by 12.18.07.

*My mother has custody of my nephew. My brother got another DUI, along with other charges. He'll be arraigned on the 24th. Merry Christmas, huh? Oh and my parents collaborated to bail his dumb ass out. If it were up to me, I'd have left him in there. Don't think that for a split second I didn't think about keeping the $$ Dad deposited for bail. I'm a firm believer in the let him rot way of thinking.

Anyway, just a little synopsis of what's happening in my bubble. I've been thinking about some new years resolutions for this upcoming year. Maybe they won't be so hard to keep this go around. I'll keep ya posted.