The Conservative Cave
Current Events => The DUmpster => Topic started by: USA4ME on July 25, 2015, 05:40:57 PM
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Tobin S.
I'm going to file for bankruptcy on Tuesday.
It could have been worse for my creditors. I'm leaving about $16,000 on the table in unused credit on my credit cards. I'm current on everything and I'll be filing with a 753 credit score. They probably don't see that too often in bankruptcy court.
When my wife and I got together we both had a lot of debt. I was a long haul trucker and I owned my rig. I knew I couldn't have a good relationship with my wife unless I was home regularly. I took a local job that paid less thinking that I'd be able to sell my rig and my condo in a relatively short amount of time. It cost me $12,000 to get rid of the rig and I still own the condo. Between the two of them they account for about $28,000 in unsecured debt and I still owe about that much on the condo in which I am way underwater on. I've actually had that place up for sale for $20,000 and I couldn't find a buyer. Well, the bank is going to own it now. I also tried to absorb some of my wife's debt in a chivalrous but ill-fated move. My wife lost a decent paying job earlier this year through no fault of her own and is now working for $7.50 an hour. We need her income to help pay the bills, but she has been unable to find anything better.
I've tightened my belt and we've cut out things to try to make it work. I've leased my condo when I could. But even on our bare bones budget we're still coming up about $600 short a month. My savings are down to about $3000. If I manage to lease my condo again it will only give us about five more months before we are out of money. Might as well file now and put an end to the stress.
I qualify for chapter 7 bankruptcy. It will wipe out about $1300 a month in debt payments so we'll be back on the positive side again. I'll get to keep my car. Our house is in my wife's name and she is not filing. It will make my credit look shitty for a long time, but I don't foresee us needing credit any time soon. The next big thing will probably be a car for my wife and I think her current one will last another three or four years.
My wife was upset, but when I explained everything to her, she felt better about it. She made the comment that ever since we've been married we just can't seem to catch a break. I told her that this is a break. Imagine if we weren't able to do it.
http://www.democraticunderground.com/1018783982
Another day, another leech.
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Declaring bankruptcy over $16,000? My God, how pathetic. I could pay this off doing lawn care on the side. What a worthless piece of garbage. Yet another useless asshole I have to take care of.
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Declaring bankruptcy over $16,000? My God, how pathetic. I could pay this off doing lawn care on the side. What a worthless piece of garbage. Yet another useless asshole I have to take care of.
No, declaring Chapter 7 is the pathetic part.
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How about filing for moral bankruptcy?
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He has absolutely no standing on any opinions over money or economic issues. Remember, these people are our superiors, just ask them.
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Declaring bankruptcy over $16,000? My God, how pathetic. I could pay this off doing lawn care on the side. What a worthless piece of garbage. Yet another useless asshole I have to take care of.
They key word here is work. Dummies have an aversion to work. Any work. They would rather sit and complain about their plight than do something about it because it requires.... work.
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Hooray!!!!! http://www.democraticunderground.com/1018702795
He did it!! http://www.democraticunderground.com/1018702961
So the life of a primitive goes.
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Wait, so he SOLD a truck he didn't own and still holds $12,000 on the note?! Hoo boy, is he screwing someone on that deal!
KC
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Hooray!!!!! http://www.democraticunderground.com/1018702795
He did it!! http://www.democraticunderground.com/1018702961
So the life of a primitive goes.
You beat me to it. :-)
But I do have this to add, from just about a month ago:
Fri Jun 12, 2015, 06:25 PM
Star Member Tobin S. (7,803 posts)
Out of over 50 employees, I am the only person working at my current employer who has a college education as far as I know. The owner of the company does not have a degree and neither does the general manager. I know how to make that company better from two different perspectives, but, apparently, they think I'm more valuable driving a truck for them. There's no climbing the ladder for me at that place...
http://www.democraticunderground.com/1018770749
Tobin S., college graduate and business genius, sneers at his non-sheepskinned employers' education levels and files for Chapter 7 bankruptcy a month and a half later.
:lmao:
Like the man says, you just can't make this shit up...
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LOL! I can't believe his company isn't taking his advice for how to improve profitability!
Good catch.
KC
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Tobin S., college graduate and business genius, sneers at his non-sheepskinned employers' education levels and files for Chapter 7 bankruptcy a month and a half later.
:lmao:
Like the man says, you just can't make this shit up...
Ooh. Nice find. :rotf: :cheersmate:
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It irritates the shit out of me when people think education automatically means smarter.
KC
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You beat me to it. :-)
But I do have this to add, from just about a month ago:
http://www.democraticunderground.com/1018770749
Tobin S., college graduate and business genius, sneers at his non-sheepskinned employers' education levels and files for Chapter 7 bankruptcy a month and a half later.
:lmao:
Like the man says, you just can't make this shit up...
Apparently his employer has already figured out that the dummie is a dummy and about the only thing he can do without screwing up is drive a truck.
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Indiana University Graduation
Dear Tobin:
Congratulations! The final audit on the Bachelor of Science in Business Administration degree you applied for has been processed and you have successfully completed all the degree requirements.
Your degree conferral date is December 15, 2014. Your degree has been posted to your Student Record and is viewable on your unofficial transcript.
I will place the order for December diplomas in mid January and expect them to arrive back from the printer by mid to late February. When your diploma arrives I will notify you at this email address to give you an opportunity to come by the Office of Student Records to pick it up.
That doesn't sound like an email from Indiana University.
Maybe a mail order college in Indiana, but "come by to pick it up" doesn't sound like a degree conferred by a legit university like IU.
DUmmies lie, all the time.
And just seven months later he's belly-up.
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That doesn't sound like an email from Indiana University.
Maybe a mail order college in Indiana, but "come by to pick it up" doesn't sound like a degree conferred by a legit university like IU.
DUmmies lie, all the time.
And just seven months later he's belly-up.
Allow me to elaborate:
Indiana Online University for Learning-Disabled Overalls Wearers Graduation
Dear Tobin:
Congratulations! The final audit on the Bachelor of Science in Business Administration degree you applied clicked through for has been processed and you have successfully completed all three of the degree requirements.
Your degree conferral date is December 15, 2014. Your degree has been posted to your Student Record and is viewable on your unofficial transcript (notice that your transcript is always unofficial, and is written on the back of a pornographic playing card and kept in the trunk of the President of the University..
I will place the order for December diplomas in mid January and expect them to arrive back from the printer by mid to late February because it takes a while to get parts for a dot matrix these days. When your diploma arrives I will notify you at this email address to give you an opportunity to come by the Office of Student Records to pick it up and while you're at it, can you bring a few Olde English?.
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But I do have this to add, from just about a month ago:
http://www.democraticunderground.com/1018770749
Fri Jun 12, 2015, 06:25 PM
Star Member Tobin S. (7,803 posts)
Out of over 50 employees, I am the only person working at my current employer who has a college education as far as I know. The owner of the company does not have a degree and neither does the general manager. I know how to make that company better from two different perspectives, but, apparently, they think I'm more valuable driving a truck for them. There's no climbing the ladder for me at that place...
Tobin S., college graduate and business genius, sneers at his non-sheepskinned employers' education levels and files for Chapter 7 bankruptcy a month and a half later.
:lmao:
Like the man says, you just can't make this shit up...
:rotf: :rotf: :hi5:
Thanks for remembering that. I was racking my brain trying to remember the something that made this sound seriously funny. That's it!
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Declaring bankruptcy over $16,000? My God, how pathetic. I could pay this off doing lawn care on the side. What a worthless piece of garbage. Yet another useless asshole I have to take care of.
My understanding of Tob's post is that he won't be screwing his creditors out of that additional $16,000 by maxing out his credit card(s) before filing bankruptcy. How generous and magnanimous of him.
But your last sentence is correct, in two ways. Productive taxpayers will be the ones paying for any government social program bennies Tob might receive. And the unpaid debts of every person going bankruptcy are "paid" by solvent people, through those costs being part of the price of every product and service and the interest rates charged by banks and other lenders. Tob's lunch is only free to him.
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The story is ever changing.
http://conservativecave.com/index.php?topic=101046.msg1271194#msg1271194
Tobin S. (7,419 posts) Tue Feb 17, 2015, 08:02 PM
Question on paying down debt.
I have a personal loan with a balance of about $15,700 and a credit card with a balance of about $17,700. I can pay down one of the loans by $5000. Both loans are at 9.99%. The payment on the personal loan is $463 fixed and the payment on the credit card is currently at about $310 a month.
Which loan should I pay down first? Does it matter? Please elaborate with your reasoning.
DUmmies lie,all the time they lie.
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The story is ever changing.
http://conservativecave.com/index.php?topic=101046.msg1271194#msg1271194
DUmmies lie,all the time they lie.
Sounds pretty :bouncy: -oid. If Tob's is really going bankrupt - Chapter 7 or 11 - his "question" is meaningless. The court will divy up his assets among the creditors. OTOH, if he pays off a creditor before going bankrupt, that might be evidence that he has the ability to pay his debts, over time, and should not be allowed the protection of bankruptcy.
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The whole story is a bouncy worth a maximum award of bongs.
No way is anyone financially worse off under owebuma and his owebumeconomy.
How could they be ???
Especially a lib.
Now if Tobin was to admit that his messiah has been an utter failure at everything he has put his fecal touch on, I might reconsider the validity of his claims.
But he would also have to admit he regrets his multiple votes for owebuma, and if he could go back, would change his vote.
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A little early on, but Tobin should most definitely be on the list for DUmmy year end awards.
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A little early on, but Tobin should most definitely be on the list for DUmmy year end awards.
There are a few matters that libs actually are able to get a head start on.
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DUmmie owned his on 'over the road' truck until he discovered they expected him to back it up sometimes. People be mean like that.
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The problem stood right out.
The Tobin S, primitive only had a standard default rig. Had he owned a good rig, he would have picked up more crunchy loads.
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The problem stood right out.
The Tobin S, primitive only had a standard default rig. Had he owned a good rig, he would have picked up more crunchy loads.
Double mileage bonus for every cross of the Rubicon !
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DUmmie owned his on 'over the road' truck until he discovered they expected him to back it up sometimes. People be mean like that.
That was rsmithnumbers. He took student loans to go to truck driving school for three years.
After all that higher education, he repeatedly failed his test for a license, due to crashing into the dock or stopping way short.
When last seen, he was piloting a shuttle between motels and the airport.
He disappeared a year or so ago - I suspect he's either dead or got lost on the way to the airport, couldn't back up, and never returned.
Tobin S. is a loony who has episodes of insanity when he spends weeks sleeping in his car.
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LOL! I can't believe his company isn't taking his advice for how to improve profitability!
Good catch.
KC
First order of business, give all employees a living wage of $50 an hour, minimum.
Next, install separate restrooms for all 58 different genders.
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First order of business, give all employees a living wage of $50 an hour, minimum.
Next, install separate restrooms for all 58 different genders.
Only 58?
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Only 58?
One for every state and Porta-Rico.....that porta-John commonwealth or whatever it is.
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That was rsmithnumbers. He took student loans to go to truck driving school for three years.
After all that higher education, he repeatedly failed his test for a license, due to crashing into the dock or stopping way short.
When last seen, he was piloting a shuttle between motels and the airport.
He disappeared a year or so ago - I suspect he's either dead or got lost on the way to the airport, couldn't back up, and never returned.
Tobin S. is a loony who has episodes of insanity when he spends weeks sleeping in his car.
I think Tobin and rsmithnumbers should pair up and haul as a team. Tobin could show rsmithnumbers how to back up, and rsmithnumbers could show Tobin how to perfect his 100-yard blank stare.
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Why didn't Torch the bitch think of this scheme. Brilliant! :o
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I think Tobin and rsmithnumbers should pair up and haul as a team. Tobin could show rsmithnumbers how to back up, and rsmithnumbers could show Tobin how to perfect his 100-yard blank stare.
Maybe they DID team up: Tobin used one of rsmith's cover letter templates, and is still waiting for the job offers to pour in.
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Maybe they DID team up: Tobin used one of rsmith's cover letter templates, and is still waiting for the job offers to pour in.
:rotf:
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That was rsmithnumbers. He took student loans to go to truck driving school for three years.
After all that higher education, he repeatedly failed his test for a license, due to crashing into the dock or stopping way short.
When last seen, he was piloting a shuttle between motels and the airport.
He disappeared a year or so ago - I suspect he's either dead or got lost on the way to the airport, couldn't back up, and never returned.
You must've missed the latest on the rsmith primitive; he's laying low because he's running for political office now.
comment 2873:
http://conservativecave.com/index.php?topic=81827.2850
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You must've missed the latest on the rsmith primitive; he's laying low because he's running for political office now.
comment 2873:
http://conservativecave.com/index.php?topic=81827.2850
So he's basically sporting a suit to conceal his tremendous man-boobs, but couldn't do anything about getting his gaping maw wired shut so he doesn't look so dumb?
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Declaring bankruptcy over $16,000? My God, how pathetic. I could pay this off doing lawn care on the side. What a worthless piece of garbage. Yet another useless asshole I have to take care of.
I believe he's saying the $16K is the amount of credit he has available to him on various credit cards, not his total debt, which is undoubtedly much higher...deficiency payments on sale of the truck, the deficiency on the upcoming underwater sale after foreclosure for the condo, the actual balances on God knows how many credit cards, and all sorts of other debts. Timing is everything in bankruptcy, he better make sure the bank does the foreclosure and fire sale on that condo before he has to file his final schedule of debts and creditors.
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I believe he's saying the $16K is the amount of credit he has available to him on various credit cards, not his total debt, which is undoubtedly much higher...deficiency payments on sale of the truck, the deficiency on the upcoming underwater sale after foreclosure for the condo, the actual balances on God knows how many credit cards, and all sorts of other debts. Timing is everything in bankruptcy, he better make sure the bank does the foreclosure and fire sale on that condo before he has to file his final schedule of debts and creditors.
it couldn't happen to a more deserving fella!
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First order of business, give all employees a living wage of $50 an hour, minimum.
Next, install separate restrooms for all 58 different genders.
LOL! You're going to piss off the G-BLT's.
KC
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You must've missed the latest on the rsmith primitive; he's laying low because he's running for political office now.
comment 2873:
http://conservativecave.com/index.php?topic=81827.2850 (http://conservativecave.com/index.php?topic=81827.2850)
Geez... I hope it's not a position that has anything to do with the written language.
With any luck, it'll be for Radd Commissioner. Then there will at least be the chance they'll use him ti fill a pothole.
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Between the two of them they account for about $28,000 in unsecured debt
Unsecured? Stop paying on your condo then, lol. See what happens.
This guy isn't too bright.
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Geez... I hope it's not a position that has anything to do with the written language.
With any luck, it'll be for Radd Commissioner. Then there will at least be the chance they'll use him ti fill a pothole.
Well, one has to give the rsmith primitive kudos for that, staying away from Skins's island while he's running for a public office. Since being known as a member of Skins's island automatically paints a person as a primitive--and so accurately so--it's just not a good idea.
If the big guy in Bellevue had stayed away, he'd probably been elected in a landslide, and right now sitting in hog heaven raking in the pay-offs for this or that, and with no fantasies about being terminal.
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I am still waiting for Cal Pig to show up and say, Oh, my dear Tobin!
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I am still waiting for Cal Pig to show up and say, Oh, my dear Tobin!
She's probably avoiding the thread in the event it turns into yet another DUmp beg-a-thon.
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She's probably avoiding the thread in the event it turns into yet another DUmp beg-a-thon.
I don't know why. To my knowledge she's a donor of healing white light only.
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I don't know why. To my knowledge she's a donor of healing white light only.
Or maybe her Adam's apple, if it were worth anything.
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I don't know why. To my knowledge she's a donor of healing white light only.
So, she's not a COMPLETE imbecile. Whoda thunk it?
KC