u/Excellent-Remote6775

Consulted with an attorney. Central Florida not sure if that makes a difference. 440k in unsecured debt between us. Attorney said repayment will be 5100 a month which includes 3700 towards the mortgage payment. Basically, the debtors will get pennies on the debt over 4 years. Spouse doesn’t work and has been encouraged by doctors to file for disability. I somehow wish I could do chapter 7 but do not pass the means test. Income is currently 174k gross. Currently, not claiming spouse as a dependent. Was told trustee will more than likely keep tax returns. Approximately 36k in equity in the home. Was already foreclosed by them and was able to do a loan modification to get the mortgage down from 4200 to 3700. Own 2 cars both 10 years old. Scared 😱 of all the what if’s. Emergencies, etc. There is literally no room for anything. I haven’t completed the process entirely yet. I know time is running out as one creditor has already filed in court against the spouse. Another one got a judgement against me that I had no idea about until the consult. They have an affidavit from a process server who claimed they served me in person at a house I sold 4 years ago in a different state. I did challenge the process serving asking to vacate or dismiss. The creditor filed a motion to strike the process of service. I’ve been told I’ll still end up paying (judgement will remain) so best to complete the filing of the bankruptcy now. Trying to get my affairs in order so I’m not robbing Peter to pay Paul. Feeling helpless! I’m fairly certain no creditor will ever consider us in the future. So feeling cooked. Not fun in your 60’s. Is there anything positive to this?

I’ve integrated Square to my Wix website. Tried to test it out and it said there was a problem pop up. It never registered on the Square side nor did it ping my credit card. I’m feeling that upon checkout I do not have billing address fields. It is only asking the customer to enter email, phone number, credit card number, expiration date, and of course the cvv code. Would this be why it’s not going anywhere? If so how do I add that to my checkout page? I’ve googled done what videos or help articles say unfortunately it’s outdated and those things are no longer where they say they are either on the Wix side or the Square side. Yes I’ve disconnected Square and re-connected it several times. 😵‍💫

I’ve integrated Square to my Wix website. Tried to test it out and it said there was a problem pop up. It never registered on the Square side nor did it ping my credit card. I’m feeling that upon checkout I do not have billing address fields. It is only asking the customer to enter email, phone number, credit card number, expiration date, and of course the cvv code. Would this be why it’s not going anywhere? If so how do I add that to my checkout page? I’ve googled done what videos or help articles say unfortunately it’s outdated and those things are no longer where they say they are either on the Wix side or the Square side. Yes I’ve disconnected Square and re-connected it several times. 😵‍💫

I’ve integrated Square to my Wix website. Tried to test it out and it said there was a problem pop up. It never registered on the Square side nor did it ping my credit card. I’m feeling that upon checkout I do not have billing address fields. It is only asking the customer to enter email, phone number, credit card number, expiration date, and of course the cvv code. Would this be why it’s not going anywhere? If so how do I add that to my checkout page? I’ve googled done what videos or help articles say unfortunately it’s outdated and those things are no longer where they say they are either on the Wix side or the Square side. Yes I’ve disconnected Square and re-connected it several times. 😵‍💫

I’m submitting photos for my NOA. I filed in class 030 and have 2 trademark applications. One for my name, and one for my logo. I have read that anything you submit to prove it’s in use becomes public record. My state requires my home address on my food labels. May I edit my photos to black out only my home address on my ingredient labels which are attached to my packaging? (I read no mockups allowed and wasn’t sure if that was a mockup)

I fell behind on my ADT payments when my wife fell ill. I also had cancer myself. During that time ADT charged what I assume to be early termination fee. Unfortunately, I couldn’t pay the 2k. Yet they continued to take the monthly fee of around 68 monthly. Occasionally, they would try to hit my account for the 2k which never went through because I didn’t have it. As a result they cancelled my service yesterday since they considered it past due because they couldn’t get the 2k. Today they tacked on 3k for the remainder of the contract and are requiring 5700. I called in and explained my situation. They said they could resolve it with 2k to bring the account current despite them still getting 68 a month. I asked to speak with a supervisor no idea if I got that but she said she couldn’t help as it was in collections. She sent me back to collections who once again asked for 2k to bring the account current. I told her I didn’t have anything. I’m in the process of bankruptcy right now. Crazy to think they wouldn’t fix the account to continue to get their monthly payment. Instead they will now loose 5,700k in bankruptcy. It didn’t seem to phase them. Anyways lesson here is realize if you somehow get behind because life happens they will add what I would consider a portion of your contract with equipment that for some isn’t obtainable. If they don’t get it they will turn it off and ask for the whole contract. Their loss at this point. I actually had no intention of including them in the bankruptcy and they were listed as an expense. Now they will be added.

I have a Cricut Maker 3 I’ve never used. I want to do strictly stickers and card crafting. I’m looking for the best printer. I’m currently shopping for a used one. I would appreciate any suggestions. I’ve noticed some are set up with sublimation already, others not. TIA!

Location: Maryland

I sold my home in Maryland in October 2023 and moved to Florida. I had mail forwarding up until about a year ago.

A debtor filed an affidavit that I was served at the old home in Maryland. An affidavit of judgment was entered on 5/18/26. Case still open. I became aware as I consulted a bankruptcy attorney this week and they informed me of the judgement. They are not licensed to practice in Maryland and told me I should call the courthouse to find out about the process of service.

I told the clerk at the courthouse and he verified the house was indeed sold. Told me to file a motion to vacate or dismiss and file it online. What should I include in this motion? Do I need to attach the sales paperwork for the house? Do I need to include my new address? A copy of my Florida drivers license? Do I even need to disclose my new address in the paperwork?
You can Google me and find me. I’d rather not offer it up while I’m trying to gather money to retain the bankruptcy attorney. (This is not my only debtor, wife fell ill) No idea who the company is trying to collect for. Maryland doesn’t scan their documents.
What will happen to the process server for lying about the process service? The person who purchased my home is a single mother of 3 children under the age of 16. The sale was a nightmare and that’s a different story that I absolutely know despite being conned I can’t do anything about. 🫤 I assume it was her. No idea how she could have accepted something on my behalf.

It’s a 2022 12.9 and 1 TB. How does this work? Do I contact AT&T or Asurion? What do they need from me? I know it’s a Tier 4 so 275.00 co-pay. How long does it take?

We have to file 13 as my husband doesn’t pass the means test. He makes 176k per year. Debt load is around 400k. I became disabled which is how we landed here. Nervous is a huge understatement for a couple being 56 & 59. Owning a home in a hurricane prone state. Cars that are 10 years old. 4 year repayment plan of 5100 a month which includes 3720 mortgage payment, add in spouse works for the government. (Yes government shutdowns do happen) I can’t help but feel scared for the next 4 years. All the what if’s. If our roof gets damaged it’s a 15k deductible. What if he gets furloughed? What if one of the cars gives out? I’ve run the numbers it doesn’t look good. -296 before food monthly. I have filed for disability but that could take 2 years. Is there anything positive to this? Feeling defeated. 😞

I’m getting a forbidden error. I know they were having issues yesterday. Site says resolved. I have cleared cookies, used 3 different browsers, incognito browsing, a different computer that has never accessed the site before, my cell phone, and lastly changed the network. Still getting the error when attempting to login.

Second question what is the turn around time after submitting specimens for a NOA? Site says 4 months. Is that accurate?

Thanks