You can skip the expensive cars, the fancy clothes, and the endless gym selfies. Completely unnecessary.
I used to freeze the second a beautiful woman looked my way. Frustrated. Awkward. Watching other guys walk away with the girl while I stood there tongue-tied.
Then I discovered 22 simple rules that rewired my entire dating life. The anxiety vanished. Conversations flowed effortlessly. Women started chasing me for a change.
These rules trigger a woman's subconscious attraction switches. And you can start using them tonight.
You mean at the hearing itself?A gal with a student debt mess of her own?At my bankruptcy hearing, I was one of the "heavy hitters", and I think some of the gals there were impressed that I could amass such debt.
What about cash in your bank account? Lets say you have $6,000. Would not the bankruptcy process scoop that out. You need at least some money on your account for yourself? Not sure about other investments or if the laws are the same in Canada. However from what I understand, cash on account is not legally exempt from bankruptcy.Here's the thing about Chapter 7 bankruptcy, especially is you are "early retired"
Keeping a lot of debt would also be a good idea if you ever got married to a gal with a lot of debt, like student debt, that way you could pay off your debt together.
The idea is to spend it all before filing for bankruptcy. Go visit the dentist. Get the car fixed. Get the house fixed. Buy necessary household furnishings. Buy a month's worth of food. Pay a month's worth of insurance.
Of course, if possible, it is a good idea to have enough assets to put into the bankruptcy estate so that the trustee get something, as he will probably get pissed off if you leave him nothing. He wants to collect his paycheck like anyone else - and if he's satisfied, he's much less likely to be a harda33 about your case.
That is why Chapter 7 would not make any sense for me. Your financial circumstances sound better than mine because at least you had an IRA. IRAs (known as RRSPs in Canada) would need to be at least 1 year in before it's exempt. Any activity done in the eve of declaring bankruptcy can also be suspect (i.e. if you take out a cash advance from a credit card, or if you suddenly buy a bankruptcy exempt-item just before you declare bankruptcy then the act of doing so may be considered fraudulent conveyance.).
It sounds like we have a different system in Canada. We don't have bankruptcy attorneys, just trustees and they take care of everything.MatureDJ said:You don't need to worry about paying off the trustee; that's not your problem - it's your bankruptcy estate's problem. You do need to pay your attorney, but that is money that is taken from the pile of money you had beforehand - and oh yes, they ALL demand payment upfront.
The only amount that gets cleaned out of a bank account is the amount that was in it on the day of the filing. Now, what you would need to do to prove that any cash in that account was not there at that time is to show a paper trail of where the money had come from, such as from a job or an IRA, etc.
to get date in hour you need to be like top 5% of men
my opinion: Could you imagine being able to get a date on OLD in only an HOUR?
If you're that high up in society there is some kind of baggage going on because you should not be near old then!
Had a date three weeks ago and she brought up the topic OLD. She admitted, she's afraid of getting addicted to OLD and the constant search for something better... because it's too easy.
That is no surprize because Toronto is the incel capital of the world. When you say men are flying from Toronto then they are already desperate incels to start with. I agree with what else you said but the Toronto part.ia a throw off.
you could drop the incel talk since its starting to get old, is like youa re afraid of then
Reality hurts, as does truth. They are real; whether you'd want to believe it or not. It's a choice in life.
How can they afford to keep flying like that and on top of it how can a relationship even work if they're hundreds of miles away? It would be hilarious when they spend $500 on a plane ticket and the girl flaked and ghosted and didnt show up lol.
Yes, the hearing has all the bankruptcy filers for that week for that district. AIUI, the order is from the biggest debts to the smallest. I was #1 at my hearing.
That is a surprise, I've always had decent luck there... I travel there 3-4 times a year on business. One of my clients is an automotive supplier with a factory in Windsor, and their HQ is in Toronto. The cost of living there is insane and the take home pay is relatively low for costs. The women I'm met there are usually living on top of each other 4 to a 2 BR apt, paying insane money for rent. You would expect something like this with chicks in their early to mid twenties out of college, but I've seen women doing this in the mid 30s in Toronto. They also have a over inflated opinion of their value
And you thought you has issues with location!
You must be a chad or chadlite then who is a sucessful travelling business man. These types.are usually sucessful here..
Maybe you just need some wingdudes with the ladies. You, BigGoal and sosousage should go on the prowl for the ladies.. Let us know how you make out.
