louray1018
Junior Member
What is the name of your state? MN
My hubby claimed bankruptcy chapter 13 and then chapter 7 back in 2000 the last was discharged in 2001.
Well anyway he lost his job and we went on Minnesota family investment programme, which meant he had to except a job where ever they offered him one so he ended up working 160 miles away from home. Welll anyway the company hes working for employed him for 46 hours a week, that was his set hours, we were fine financially, we could afford the credit cards, store cards. then work cut his hours back by the 6 a week which meant we lost about $500 a month in income that was actually coming into us, they kept promising the workers their hours would increase again, but as u can guess they never did. Well anyway we ended up taking out a personal loan to cover majority of the cards. But now we cant afford the cards or the loan, after paying out these monthly we pay about $550 out, and after coverin the rest of our mandatory bills and the cards we are left with $294 a month to live of off, that is for gas, food, medical expenses, clothing and so forth. we are running at a huge loss each month with gas just costing us $440 a month. so we started putting gas and food onto cards again, but now those cards are maxed out again, so now we have othing to help us with, so far we have maintained to pay minimum balances up until this month, we just cannot keep up with expenses, plus we have student loans to start to pay later this yr. And no we dont get tax returns they are garnished for child support arrears, and we have been using the student loans to help with everyday living.
So my question is how long do you have to wait before you can refile bankruptcy again in MN?
Thanx in advance
Donna
My hubby claimed bankruptcy chapter 13 and then chapter 7 back in 2000 the last was discharged in 2001.
Well anyway he lost his job and we went on Minnesota family investment programme, which meant he had to except a job where ever they offered him one so he ended up working 160 miles away from home. Welll anyway the company hes working for employed him for 46 hours a week, that was his set hours, we were fine financially, we could afford the credit cards, store cards. then work cut his hours back by the 6 a week which meant we lost about $500 a month in income that was actually coming into us, they kept promising the workers their hours would increase again, but as u can guess they never did. Well anyway we ended up taking out a personal loan to cover majority of the cards. But now we cant afford the cards or the loan, after paying out these monthly we pay about $550 out, and after coverin the rest of our mandatory bills and the cards we are left with $294 a month to live of off, that is for gas, food, medical expenses, clothing and so forth. we are running at a huge loss each month with gas just costing us $440 a month. so we started putting gas and food onto cards again, but now those cards are maxed out again, so now we have othing to help us with, so far we have maintained to pay minimum balances up until this month, we just cannot keep up with expenses, plus we have student loans to start to pay later this yr. And no we dont get tax returns they are garnished for child support arrears, and we have been using the student loans to help with everyday living.
So my question is how long do you have to wait before you can refile bankruptcy again in MN?
Thanx in advance
Donna