I was in the process of putting a bankruptcy filing together for a couple, primarily because they were underwater on their car- had traded a couple times, debt just increased, until they owed about twice what present one was worth, and couldn't make the $600 payments.
It ended up "underwater", literally. We had a big flood, and the cars at the Ford dealership were up to their windows in water.
Guy called me and advised to hold up on the bankruptcy, his car was in the Ford garage. He got lucky on two counts- cars outside just had muddy river water, so weren't totalled and got sent to Utah to be refurbished. But his was inside, and with all the oil and solvents that got into the water, his was totalled. And even better, he wasn't just insured for the value of the car, he had insurance that paid off the loan.
He cancelled the bankruptcy, but did pay me some for my work thus far.
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Today's Featured Article - The David Brown Rose Badge - by Samuel Kennedy. In the 13th century civil war was raging in England. Two English noblemen were involved in a conflict which became known as the War of the Roses. The Duke of York had as his emblem a white rose and the Earl of Lancaster had a red rose. Today the white rose is the official emblem of the county of Yorkshire and the red rose has been adopted by the neighboring county of Lancashire.
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