I'm worried about losing my pets and gaming pc and gaming console, it's all I have left. Does anyone know about bankruptcy or has anyone filed bankrupcy? I need advice I don't want to pay a lawyer yet or talk to a lawyer yet especially I don't want to tell a lawyer I have pets and a gaming PC and a console.I need to file chapter 7 bankruptcy in California because I had what doctors call a schizophrenic episode where I got visions of what I thought was God talking to me and I destroyed all my property after I maxxed out my credit cards and destroyed everything almost (including old gaming PC) and changed all the passwords on my accounts. I haven't even signed into my bank account online thing in 4+ years and haven't used my debit card in 4 years. I experienced incarceration during this time and 4 years of homelessness.I have 2 lizards lizard worth 200-600 dollars and a old gaming PC with hand me down parts and a Nintendo switch 2. And SSI (Schizobux) money.I don't want to lose my pets or my gaming pc or my switch 2. I am on SSI and I think the wages cannot be garnishedTo keep what I have left do I just ignore the debt collectors, let them sue me and ignore them because my only income can't be garnished? I'd rather go to jail than lose my pets and my steam account and my switch 2.It's unlikely I will get a job through what doctors call severe schizo hallucinations and delusions to pay this stuff back. The longest I've worked consistently before through the hallucination stuff is 3-4 months then quit because it got too distressing to deal with.I can't make the minimum payments with SSI. So I need bankruptcy, my family also can't afford to pay me. I was completely non-functional schizo (didn't brush my teeth and lived in the woods or at the beach homeless for 4 years) and my life got ruined, I think what is wrong with me is a spirit fuckin with me not schizo but I can't bring up demons or spirits in court.
The libtards over on reddit are saying it's your choice, but if you have the energy and time filing for bankruptcy sounds like it will leave your credit cleaner after the 7 year period. The libtards are also saying there's probably free legal help you can get. Without being a lawyer I can imagine if its unregistered and relatively low value like your games and pets it's pretty unfeasible it can in any way be repossessed. Just don't declare it anywhere, it's not like expensive artwork or collectibles.
>>62148566I am god. Listen to my advice. I have not forsaken you, my son. You need to piss into a cup and drink it, immediately.
>>62148662What the difference in just letting the debt go to court and declaring bankrupcy? Excuse my TLDR I don't want to vent to people IRL about this except my mom.I don't even want to risk my pets and gaming stuff being taken because I know it's technically property even if my pets are family to me and my gaming stuff is some of the only happiness I have right now.I read it's unlikely they'll take pets or gaming stuff but possible. That's a risk.Working is only possible with a mananger who is tolerant of potential constant small mistakes and odd behavior if I can push through literal rape hallucinations and deities shapeshifting into the store to test me which happened before. The voices said to ask my manager if i was literally in Hell and said the voices were an angel so I felt i was supposed to even though it'd be humiliating but instead I just said mental illness symptomsand quit.I don't want to work through what I literally confused as genuine Hell before due to angel voices. Also I'd lose medical insurance if I worked, happened before they took away my SSI due to working part time but lukcily I got it back because I ended up homeless after quitting the job.
>>62148725>>62148566gay pajeet begging thread.
>>62148665this is unironically good advice if you have the quality of life to sustain higher quality pisses than most people take, it's unironically the precursor to making philosopher's stone>t. used to break personal bests after drinking piss in the morning at the gym
They're not going to take your pets or gaming pc or switch 2 to pawn off to pay debt collectors OP.You need to be honest with your lawyer if you have one. He can't do his job if you're lying to him.Look up "bankruptcy personal property exemptions" you get something like $10k in personal property that can't be touched, and one car is another separate exemption. But it varies state by state.>>62148725>I read it's unlikely they'll take pets or gaming stuff but possible. That's a risk.Then tell your lawyer that's your priority and he'll work to make sure you keep at least that, possibly at the cost of something else you have that might be valuable but you don't personally value at all (clearly).Finally anon you need to actually take your meds. Hallucinations like that aren't fucking normal, and meds help. You need to just take them.
>>62148725nobody wants to pawn your shit.if you're serious about an heroing, offload as much of your stuff yourself as you can. it'll actually uplift you by keeping you busy. any money you can make feels like a tiny bit of progress. if you have any medical insurance left, try to get your meds straightened out. I felt so much better when they fixed my ADHD meds, suddenly everything was much easier. I'm still broke and going to the end but it makes the daily grind tolerable. Don't forget rollover IRAs and 401ks if you have them to put a loved one down as your beneficiary if you want to give that money. I did that but maybe take the 10% penalty if I feel like staying longer we'll see how the next fake interview goes
>>62148566You need to start living below your means now and saving whatever you can. At least you got the schizobucks as a safety net, many people would kill to have even that. Put whatever you can save into Chainlink or something. You can survive on rice and beans for very little money if you buy them in bulk and with very little time investment if you cook them in bulk. Bean and rice burritos are goated poverty food. You can invest into good spices and some veggies like cilantro. Splurge on meat good cheese occasionally. But you will never make it if you don't get your mental sorted. As soon as you get your finances stable, you need to focus on mental health. If meds work for you, you need to be compliant w/ them; the risk is too high that you have another episode and burn everything down again. If your debts are way to high (like multiple years of income) I agree: fuck it, dont pay em. I know nothing about the bankruptcy process though desu. Also rec watching Eastern Orthodox videos on youtube and asking God to help you. GL anon.
>>62148866>I agree: fuck it, dont pay em. I know nothing about the bankruptcy process though desu. Also rec watching Eastern Orthodox videos on youtube and asking God to help you. GL anon.Anon you need to take your meds, too.
I am on meds and the only difference I notice on them is I don't have angry outbursts of behavior but hallucinations don't go away. I'm not willing to try more different meds, tried 7 already and those attempts made me obese. It took homelesness off meds to shed the weight, getting back on a low weight gaining med still made me 20 lbs overweight but its better than 80 lbs overweight.The meds not working supports my belief it's a real spirit attacking me in my mind. I know in my heart its a real spirit butI'll look into a lawyer maybe because of the exemption. I don't have over 10k in property.I have>Pets and pet enclosures>Bed >TV>TV Stand>Computer Desk>old gaming PC that can play games on medium to high at only 60 FPS>nintendo switch 2>nintendo 3ds>destroyed all physical games when hallucinating and only have digital games now>like 12 cheap hanes t shirts, 5 pairs of amazon budget denim jeans and 2 jacketsI cant drive safely and dont even own a car. I live with my mom and she only charges me 300 a month in rent or i'd be homeless, i dont even have access to my bank account or credit card accounts because I changed the passwords when experiencing an episode and dont remember them or even what credit cards I had. waiting for collections letters to come in the mail.Who knows about the exception in detail. Is it locked down legally I get to keep some property? Like,a guarantee legally?I was 6k -8k in debt and I think with interest over the 4 years I was too unfunctional to even brush my teeth it went up substantially. I'd imagine it could be in the 10-20k range now but I dont know.TLDR: Does anyone know in detail about the excemption for property in california when declaring bankrupcy?
cant tell if this is a troll, but ill bite bc im laughing so hard it hurts.no one is taking (or wants) your pets bro. also consumer electronics are nothing. honestly, if I were you id apply for any line of credit I could. seriously just try anything and see if they give you any purchasing power. even if its only a few hundred go buy silver coins on credit and don't pay it back. lmao at your lizards.
>>62149203Why do you think I am trolling? I ruined my life during a spiritual attack doctors call schizophrenic episode. That's what happens during spiritual attack or schizophrenic episode, bizzare forms of life ruining. They may not want my lizards but creditors are greedy pieces of shit potentially that don't give a shit about what I care about and love and just want money. They may not give two shits about taking my family members (pets) to get their money. I don't think I'm being paranoid.
>>62148899Anon did not say how much debt he has or how much he makes on schizobucks. Obviously he should try to haggle down and pay it if off if possible.
>>62149245Think about this for a second spaz. Bankruptcy procedures are typically used for businesses or people with complicated net worth & assets. Declaring personal bankruptcy is small beans compared to how it normally gets used. No assessor is coming to take inventory of your blender and lawnmower you fucking dork
>>62149284I was around 6k in debt from memory but I dont know what it went up to with interest, I didn't check it for 4 years when completely disabled to the point i was homeless avoiding the voices commands.I get 1260 or so with schizobux. 300 goes to rent, 120 to internet and phone. Then I spend like 80-100 on food a week.That leave 840 for food and other expenses. 400-500 a month on food depending on if it's a 4 or 5 week month. Then I have 340 a month for anything else including taking care of pets. I also smoke cigarettes.I'm thinking bankrupcy will be preferable to not smoking if i dont lose my pets and gaming pc and gaming console and TVI'd literally have to have nothing at all for 7-10 years to pay it back on the minimum payment if they allowed 200-300 a month in payments total.Bankrupcy seems better if i get to keep pets gaming console gaming pc and TV, because I'm just going to give my pets and shit to a relative or friend if they come for them. They arent getting my pets
>>62149331I think creditors are greedy and may try to get every fucking penny personally, I don't know if they will for sure but it seems like a real risk to me
>>62149373Well hopefully you can find some simple job that can supplement the schizo bucks, if they allow that. Don't smoke anon; you know how expensive nicotine addiction is. it just weakens your self control and is bad for mental health. I quit by switching to Zyns for some time, which i found much easier to quit than cigs, but still hard. Like i said, i don't know jack shit about bankruptcy but it does seem like the play if you would need to essentially live through 7+ years of slavery to pay it off. It doesn't seem like you are in a position to be doing any big borrowing anytime soon anyway, which is the only downside, no?
>>62148566File for disability.
>>62149475It's not enough to pay back debts, it's not even enough to pay for more rent than the generous $300 a month bill my mom gives me. I get 1260 or so a month for formal schizophrenia.
>>62149458The symptoms make working even a simple job hard. It's hallucinations of rape which feels like real touch or a real spirit raping me.But yeah 7+ years of slavery while working through rape hallucination type stuff doesn't seem worth it to not declare bankruptcy.That path seems like utter pain. Not going to do it. I think credit is ruined for 6-7 years from bankrupcy or something. Not sure.
>>62149496>>62149489You got enough money, fuck off richfaggot schizo quit begging.Go sell your plasma.
>>62149496I know you said that you don't want to change your meds around, but i don't think you can ever live a happy life having rape hallucinations, that is not okay bro. IDC if you have to go on a restrictive diet, you need to get your mental health addressed or else you NGMI even if you were rich. I would imagine even obesity is better than rape hallucinations.
>>62149502I'm not begging anyone for fucking money. I was talking about bankruptcy.
>>62149516Fuck off you stupid indian faggot I know who you are, post your hands now
>get fat>blame medsNo dude, just count your calories. Take your meds.
>>62148566Nigga Just bury your gaming pc before declaring bankruptcy. No one's gonna confiscate your lizards and sell them for $200
>>62149774Clearly when I take the meds and eat 2 healthy meals a day I am 220ish pounds at 5 7 but when I'm homeless off meds and eating Jack in the Box 2-3 times a day I go down to 150 lbs or so, my normal weight not working out it's not the meds. The meds cause weight gain. Liars like you and doctors lying to my face through their fucking teeth to encourage me to take my meds, makes me stop taking them. The fucking paper from the fucking company says the meds cause weight gain. Lying to people with what doctors call schizophrenia to encourage or manipulate us into doing what you want us to do is what contributes to us not taking our meds. You don't know what's best for us.I already fucking take meds but no on believes me because I still have rape hallucinations. It says online 25-50% of people don't respond to medicines if it's schizo. This makes it either a real spirit or medicine resistant psychosis from schizophrenia where i cannot tell it's schizophrenia because in my heart i believe it's a real spirit fucking with me genuinly.
>>62149791FUCK OFF FAGGOT SCAMMER sitting waiting to respond to his bullshit samefagged threadGo eat your lizards you pajeet begger.
Schizophrenia is just a symptom of having to deal in the real world. Goycattle can't take the strain.
>>62149791The meds cant defy the laws of physics anon, your body can't magically spend more energy than it can take in because of a pill. If you eat a 1500 cal diet but burn 2000 cal a day, there is no possible way to be gaining weight, unless its just water weight.
>>62149809you're talking to a serial beggar who spends all day making these gay "i need help but won't directly ask it"ThreadsHe spent an hour and a half waiting for someone to bump his thread and immediately responded.
>Commiefornia>have schizophreniaDo you guys think theres something in the water or like air that makes californians go insane? I hear about more nutjobs in that state than anywhere else.
>>62149852its the organic pesticides.
>>62148866Vile Shlomo.
>>62149852every mentally ill person in america moves there because the state guarantees free gibs, you also have them in florida, new york, washington
>>62148566>Go on youtube>Look up Jerry Marzinsky>Watch his videos>Stop being schizo
>>62148566Every state has a certain amount of "personal property exemption". You total up all your assets, and you only have to sell whatever is above that exemption value. It looks like in California there are two options, Section 704 ("System 1") which is for people with lots of home equity. You didn't mention owning a house so you will probably (but not certainly) want the other one. Google says:>System 2 (CCP § 703.xxx - "Wildcard" Exemption): Often better for non-homeowners. It includes a wildcard exemption of roughly $1,950, which can increase significantly (up to $36,750) if the homestead exemption is not fully used.You'll have to total things up and make sure everything qualifies, but from what you listed I doubt your personal property is worth more than the limit.As with any legal issue, talk with a lawyer licensed in your state (California) who practices in the relevant field (bankruptcy) to get legal advice upon which you can rely.BTW, I seriously doubt they would repossess your lizards. I mean, what are they gonna do, give them to a Guatemalan to barbecue?
>>62148566Just take 2400mg NAC daily for a few weeks you’ll be healed, trust me.
>>62148566>I got visions of what I thought was God talking to mebut you know it's all bullshit, right? just don't do anything stupid and stop thinking schizo thoughts
>>62148749If you're on any halfway decent program and not an elite athlete or old, you should be breaking personal bests regardless of drinking piss or not... So I don't take this as good evidence.
How do you have a switch 2 if you spent 4 years homeless? Did you only max out the credit cards recently?
pretty sure they only take assets worth real value like houses and cars lol
also, everyone is going bankrupt. most zoomers and millenials are defaulting on their student loans.
