omi_conversations: 126b01d8-8393-4571-a0ac-0daf6a7fd7a0
This data as json
| id | created_at | started_at | finished_at | title | overview | emoji | category | language | source | raw_json |
|---|---|---|---|---|---|---|---|---|---|---|
| 126b01d8-8393-4571-a0ac-0daf6a7fd7a0 | 2026-03-10T23:51:07.889142Z | 2026-03-10T23:49:11.955625Z | 2026-03-11T00:11:38.140812Z | User Weighs Crypto Assets in Bankruptcy Plan | The user discusses discovering more cryptocurrency and NFT value than expected (around $1,000 total across Coinbase, Binance, multiple wallets, and some NFTs) while preparing for a personal bankruptcy. They talk through whether to disclose or liquidate these assets, and consider using the funds to pay their bankruptcy attorney upfront ($900) instead of a $150/month zero‑down plan, worrying about how that might look to the trustee. The user explains how traceable crypto is via exchanges and banks, and recounts prior crypto investments and losses. They also review retirement accounts (e.g., Wealthfront) and note that most retirement funds are usually exempt in bankruptcy. The conversation covers home equity and whether a trustee might force a house sale, differences in opinion between two bankruptcy attorneys, and how disclosing back child support and tax obligations might influence whether the house is sold. The user plans to speak with their bankruptcy attorney on Thursday to clarify treatment of crypto, retirement funds, the house listing/realtor contract, and back child support before proceeding. | ⚖️ | finance | en | omi | {"id": "126b01d8-8393-4571-a0ac-0daf6a7fd7a0", "created_at": "2026-03-10T23:51:07.889142Z", "started_at": "2026-03-10T23:49:11.955625Z", "finished_at": "2026-03-11T00:11:38.140812Z", "structured": {"title": "User Weighs Crypto Assets in Bankruptcy Plan", "overview": "The user discusses discovering more cryptocurrency and NFT value than expected (around $1,000 total across Coinbase, Binance, multiple wallets, and some NFTs) while preparing for a personal bankruptcy. They talk through whether to disclose or liquidate these assets, and consider using the funds to pay their bankruptcy attorney upfront ($900) instead of a $150/month zero\u2011down plan, worrying about how that might look to the trustee. The user explains how traceable crypto is via exchanges and banks, and recounts prior crypto investments and losses. They also review retirement accounts (e.g., Wealthfront) and note that most retirement funds are usually exempt in bankruptcy. The conversation covers home equity and whether a trustee might force a house sale, differences in opinion between two bankruptcy attorneys, and how disclosing back child support and tax obligations might influence whether the house is sold. The user plans to speak with their bankruptcy attorney on Thursday to clarify treatment of crypto, retirement funds, the house listing/realtor contract, and back child support before proceeding.", "emoji": "\u2696\ufe0f", "category": "finance", "action_items": [{"description": "Ask bankruptcy attorney if you can use crypto to pay the $900 fee", "completed": false, "created_at": "2026-03-11T00:13:56.402192Z", "updated_at": null, "due_at": "2026-03-12T06:59:00Z", "completed_at": null, "conversation_id": null}, {"description": "Ask bankruptcy attorney if you can keep the remaining crypto assets", "completed": false, "created_at": "2026-03-11T00:13:56.402192Z", "updated_at": null, "due_at": "2026-03-12T06:59:00Z", "completed_at": null, "conversation_id": null}, {"description": "Ask bankruptcy attorney how existing or future real estate listing contracts affect trustee sale", "completed": false, "created_at": "2026-03-11T00:13:56.402192Z", "updated_at": null, "due_at": "2026-03-12T06:59:00Z", "completed_at": null, "conversation_id": null}, {"description": "Declare back child support in bankruptcy paperwork", "completed": false, "created_at": "2026-03-11T00:13:56.402192Z", "updated_at": null, "due_at": "2026-03-17T06:59:00Z", "completed_at": null, "conversation_id": null}, {"description": "Review Wealthfront retirement account balance and how it is treated in bankruptcy", "completed": false, "created_at": "2026-03-11T00:13:56.402192Z", "updated_at": null, "due_at": "2026-03-17T06:59:00Z", "completed_at": null, "conversation_id": null}], "events": []}, "language": "en", "source": "omi", "transcript_segments": [{"id": "d67d1ba4-ae47-4ecb-9d5b-9c25dac528f2", "text": "Do you decide what you're doing tonight?", "speaker_id": 2, "speaker_name": "Speaker 2", "start": -3.4295953810214996e-07, "end": 164.70657279052375}, {"id": "2e46f40b-8bed-4b2a-abaf-20e2951d841f", "text": "Not kiss her?", "speaker_id": 2, "speaker_name": "Speaker 2", "start": 172.98694407501353, "end": 173.46684407501334}, {"id": "13626927-4802-4063-a435-87f156273f82", "text": "I found about a thousand dollars in crypto.", "speaker_id": 2, "speaker_name": "Speaker 2", "start": 208.06007352867846, "end": 209.58007352867844}, {"id": "74130bba-808e-4142-9d62-27d9612505c1", "text": "That I have. I know if that's good news or not.", "speaker_id": 0, "speaker_name": "User", "start": 211.2500735286785, "end": 215.13017352867882}, {"id": "41e2fd62-8b64-4a40-959d-cda5a6430e82", "text": "Well, I mean, don't think I wanna delay the bankruptcy.", "speaker_id": 2, "speaker_name": "Speaker 2", "start": 217.9999735286783, "end": 219.36007352867864}, {"id": "3c8ebf11-eb03-47ad-bda5-46eb1f89d9f9", "text": "I'd like to talk to my attorney, but I'm I talked to him on Thursday. Don't think I wanna delay the bankruptcy for it. Like, to try and liquidate it and spend it. I don't if if I don't wanna delay things.", "speaker_id": 0, "speaker_name": "User", "start": 219.84997352867867, "end": 232.4900735286783}, {"id": "7e8742d3-2e01-4105-a109-11230e27319e", "text": "So if it's, like, I just have to give it to them to give it to the trustee, then that's fine. But I wonder if I can liquidate it. I I would", "speaker_id": 0, "speaker_name": "User", "start": 234.8000735286787, "end": 242.01007352867873}, {"id": "507de31f-e69f-4038-bdf1-bcfda1c4755b", "text": "Well, that might look funny. Because that's not a routine charge.", "speaker_id": 0, "speaker_name": "User", "start": 245.57007352867868, "end": 250.81007352867846}, {"id": "e590a748-2db2-4593-ae22-0486e735e455", "text": "You know what I mean?", "speaker_id": 2, "speaker_name": "Speaker 2", "start": 251.0500735286787, "end": 252.6500735286786}, {"id": "fb97fc09-6377-4b15-a222-48920c02fcc3", "text": "And we're buddies.", "speaker_id": 1, "speaker_name": "Speaker 1", "start": 253.73007352867853, "end": 254.29007352867848}, {"id": "3387db5a-99fa-412d-bd7d-802a86fa16a7", "text": "Like, that's not too hard to Maybe you're an attorney, so it's like, it'll be like, you're like, I can fight you. I don't know.", "speaker_id": 0, "speaker_name": "User", "start": 255.09007352867866, "end": 266.1300735286786}, {"id": "11db7686-6e78-4f4e-9aa3-5522a9e56520", "text": "It If I can so that he has two payment options. One's like $900 and the other one is hundred fifty dollars zero down, a $150 a month.", "speaker_id": 0, "speaker_name": "User", "start": 268.41007352867837, "end": 274.61007352867864}, {"id": "bf8f9465-b1bc-41f6-97fc-df9d87de53dc", "text": "So I wonder if I can pay him. Because I was gonna do the zero down.", "speaker_id": 0, "speaker_name": "User", "start": 275.01007352867873, "end": 279.0500735286787}, {"id": "99ac2c65-467f-4ac8-a5ab-c778eeebd4cf", "text": "Oh.", "speaker_id": 6, "speaker_name": "Speaker 6", "start": 279.0500735286787, "end": 279.1301735286788}, {"id": "d95e9654-687b-4972-b18f-f6a9f8398adb", "text": "150 a month. But I'm like, if I can just liquidate this and just pay him the 900, Yeah. And that's I don't see why that would be funny. It seems like paying your attorney for bankruptcy would be not be like hiding Yeah. No. That would fraud. Like, that seems reasonable.", "speaker_id": 0, "speaker_name": "User", "start": 279.45007352867833, "end": 295.2900735286785}, {"id": "2932cb11-21c8-44d3-9bba-e487bc20cd78", "text": "So anyway, so I think I'm I'm gonna just ask him if that'll work. That's my first thought. Or if I can just keep it.", "speaker_id": 0, "speaker_name": "User", "start": 296.0500735286787, "end": 305.41017352867857}, {"id": "134bf5c3-01b3-48a1-ad7a-670c49282804", "text": "ChatGPT said, can probably just keep it.", "speaker_id": 2, "speaker_name": "Speaker 2", "start": 306.2499735286783, "end": 307.45007352867833}, {"id": "ec826c36-455e-4dcb-a74d-b937fc417f02", "text": "Like, some personal property you can keep. But it's pretty liquid, so I don't I mean, it's it's it's not that they have to move it around and stuff.", "speaker_id": 0, "speaker_name": "User", "start": 307.8500735286789, "end": 316.7500735286785}, {"id": "987faab3-705f-420c-9606-a3c7e16e2627", "text": "I there's no way they could track their have a where they could Yeah.", "speaker_id": 7, "speaker_name": "Speaker 7", "start": 318.41007352867837, "end": 327.02651898433305}, {"id": "a51a2f3b-2d64-4215-b2ab-bf75f6b122bb", "text": "I have a Coinbase account that I have used move money from Coinbase into my banking account. And if they if they look at the Coinbase account, it'll have all the they can trace everything I've ever done.", "speaker_id": 0, "speaker_name": "User", "start": 327.26641898433263, "end": 339.34651898433276}, {"id": "4c18d968-b607-49c1-9edd-842692a6d90d", "text": "Because everything's all those numbers, it's just a bunch of numbers. They're all available. In Internet.", "speaker_id": 0, "speaker_name": "User", "start": 340.4265189843327, "end": 345.116418984333}, {"id": "c99cd307-025b-42f4-ada8-ca03db935d60", "text": "Right?", "speaker_id": 5, "speaker_name": "Speaker 5", "start": 345.83651898433254, "end": 346.1565189843327}, {"id": "c8f76a1b-e8dd-4663-8768-d2881b09769d", "text": "So you just need a starting point. If you have a way to get some if you have a if you have a way to get some crypto where there's no record, if somebody just gives you some. Like, if you just create a wallet, and someone just gives you some crypto, then then nobody knows that's you.", "speaker_id": 0, "speaker_name": "User", "start": 346.8265189843328, "end": 363.9865189843331}, {"id": "e7aef4ae-8082-4a36-a9df-e4765b8bd9f9", "text": "Potentially. Right? There are ways to obscure it, but once there's any, like, out outside anytime you wanna move money out, you gotta go through a regular bank, and then there that creates a link, and then they can trace every transaction and every interaction with those with those wallets.", "speaker_id": 0, "speaker_name": "User", "start": 364.5465189843326, "end": 378.7865189843328}, {"id": "ab97ecde-8696-4b91-b866-bab95d07bb91", "text": "So and and I have consistently moved money in and out my Coinbase account and in and out of my bank account. So it's it's not hard to there's no there's not a lot of obscurity there.", "speaker_id": 0, "speaker_name": "User", "start": 379.70651898433243, "end": 389.8266189843325}, {"id": "df16a556-641e-42ef-958a-e7d7d962ede5", "text": "It just depends on how sophisticated they're, but I'm guessing they're sophisticated enough. I'm guessing crypto's something they've dealt with before.", "speaker_id": 0, "speaker_name": "User", "start": 391.26651898433283, "end": 396.816518984333}, {"id": "8d96c779-1098-4419-b911-515d00d07b01", "text": "LNC?", "speaker_id": 1, "speaker_name": "Speaker 1", "start": 398.3865189843327, "end": 399.26651898433283}, {"id": "84f31cf8-c185-41a2-a78b-58c88618815c", "text": "My well, no. It's an s corp. My company entity is an s corp, I believe.", "speaker_id": 0, "speaker_name": "User", "start": 399.8265189843328, "end": 404.82651898433323}, {"id": "0b6d7db6-1ddf-485c-8c9a-d596cf6b5a5d", "text": "Right.", "speaker_id": 4, "speaker_name": "Speaker 4", "start": 418.97584668216314, "end": 419.29574668216355}, {"id": "b2924b5a-3fbb-468a-b836-655267e0bd85", "text": "Yeah. Anyway, I thought I'd liquidated all of it. Well, not all of it. I thought I'd liquidated enough that what was left was insignificant, but but he wants me to have less than a $100 in my two bank accounts. Now, that's so, like, I was thinking if there's 3 or $400, like, who cares? But apparently, that's enough money that people care. And so was like, oh, I should go double check.", "speaker_id": 0, "speaker_name": "User", "start": 421.66584668216365, "end": 443.085946682163}, {"id": "b9b1cc98-e4b8-47a9-9690-5513bce8ae97", "text": "And when I looked, I found about $400 I just didn't know was there. And then I've got some NFTs. I've got like 200 NFTs. But, 10 or 15 of them are worth about $200. It like combined. Yeah.", "speaker_id": 0, "speaker_name": "User", "start": 444.1858466821632, "end": 458.0258466821633}, {"id": "2544b3bd-a2d1-45d5-8cbd-1ff83e711fa5", "text": "So that's not", "speaker_id": 0, "speaker_name": "User", "start": 458.86594668216367, "end": 460.4659466821631}, {"id": "a5a621ef-5477-434e-8d8a-00b82ae1631e", "text": "Nothing.", "speaker_id": 7, "speaker_name": "Speaker 7", "start": 461.30574668216286, "end": 462.10574668216304}, {"id": "79678f9d-8a56-4728-b462-02915fd40f13", "text": "Yeah. I mean, I spent a lot more down on NFTs. That is less than pennies on the dollar than what I bought them for. But some of them are worth a little tiny, like $20 here, $30 there, $60 there. So I could liquidate those.", "speaker_id": 0, "speaker_name": "User", "start": 462.2657466821638, "end": 476.48584668216336}, {"id": "fb38bcd1-6b54-469f-80e2-b75a7688178f", "text": "And then I have an account on Binance that has some doge. I bought the boys doge one year for their birthday because they were into they loved it. Not the coin, but they love doges. Like, the meme.", "speaker_id": 0, "speaker_name": "User", "start": 476.98584668216336, "end": 488.53584668216354}, {"id": "cbaefa30-ac68-4272-98e1-c5fabac268d4", "text": "And so I was like, I should buy my kids some crypto. So I spent like a hundred bucks and then it popped up to like two thousand and that and that's back to 2 now it's back to a $100.", "speaker_id": 0, "speaker_name": "User", "start": 489.10584668216325, "end": 498.9459466821636}, {"id": "038d637c-da0d-4ec2-a9e6-98370d7a30ae", "text": "So anyway, so I was like, okay. I've got this and I've got this and I've got this and I've got this. I was like, it adds up to more than I thought. The biggest thing was there's there was this so there's Ethereum's like the main coin that runs a lot of the chains. That's the like base It's like a like a platform coin.", "speaker_id": 8, "speaker_name": "Speaker 8", "start": 503.42584668216296, "end": 517.9357466821639}, {"id": "87f9bbf0-8193-4d54-a2e7-9b3f43686d66", "text": "So is Ethereum taking over a bit of No.", "speaker_id": 4, "speaker_name": "Speaker 4", "start": 519.5458466821638, "end": 520.5058466821629}, {"id": "092969d7-6fbb-4f52-9465-a885ebe6379d", "text": "Like, I thought it might, but but Bitcoin is stronger.", "speaker_id": 8, "speaker_name": "Speaker 8", "start": 525.9088951403564, "end": 530.2289951403563}, {"id": "d1b13f06-74bd-4ae9-955a-5975624bab95", "text": "Like, from when I got in, Bitcoin has gone up more than I mean, they've both gone up and down.", "speaker_id": 0, "speaker_name": "User", "start": 531.9488951403564, "end": 534.5088951403559}, {"id": "b25241b8-20b7-4973-843c-d48c16f3ba24", "text": "Yeah.", "speaker_id": 6, "speaker_name": "Speaker 6", "start": 534.5088951403559, "end": 534.5889951403569}, {"id": "03d8386e-1e4e-41ae-8796-e0ca8f372fd0", "text": "But Bitcoin has been a little bit stronger than Ethereum. But Ethereum is like you build other things on top of it. So there's Ethereum, and then you can build your own coins that are like derivatives of Ethereum. Like, you program code that's your version but it's it runs on the Ethereum network.", "speaker_id": 0, "speaker_name": "User", "start": 534.7888951403565, "end": 551.0288951403563}, {"id": "5fa04e62-5649-42e1-b110-0b85f199d0a2", "text": "And which is cool, and I thought for that reason, because it's a platform, that Ethereum would take off. And it did at the time that I got in, that's that was happening.", "speaker_id": 0, "speaker_name": "User", "start": 551.5488951403568, "end": 560.2987951403566}, {"id": "65070540-b9cc-46e5-be81-5b55234441f3", "text": "It still wasn't quite at where Bitcoin was, but it was kind of it was like done in for it. And then and then in the slump, it went down more than Bitcoin. Bitcoin has held value better in the downturns than Ethereum has.", "speaker_id": 0, "speaker_name": "User", "start": 560.4088951403564, "end": 573.4188951403567}, {"id": "5af92c97-2c1a-4129-9914-23dd3b7ece8f", "text": "And now it doesn't I mean, I remember when when I got in, Ethereum was like 3 and 4,000.", "speaker_id": 0, "speaker_name": "User", "start": 573.9088951403564, "end": 580.3588951403563}, {"id": "df58a5cf-34db-4ab0-ae7b-0e4256f47b2d", "text": "It's like two right now. I think when I got in Bitcoin was like 50 or 60. Don't I don't know where Bitcoin is now, I think it's more than that.", "speaker_id": 8, "speaker_name": "Speaker 8", "start": 580.9888951403564, "end": 588.5488951403568}, {"id": "89f8ef9f-197e-48f1-ab26-6d69b06d5221", "text": "Anyway, So but I had something called beef. Which is some version of wrapped Ethereum, but it wasn't showing up in my wallet. I didn't know it was there.", "speaker_id": 0, "speaker_name": "User", "start": 592.428895140356, "end": 599.0687951403561}, {"id": "d9613792-35a1-4412-a170-6576d3ca46e6", "text": "And I went to some website that was like, tell me what's in my wallet, and it was like $500. Because my when I log in on my computer, it says it's $94.", "speaker_id": 0, "speaker_name": "User", "start": 599.6688951403567, "end": 608.2688951403561}, {"id": "2f58a378-90af-493a-bcef-8850ad4cbfbb", "text": "And then I went to another website and it says it was 500. And I was like, what's the other four where's the other 400? And then I found this BETH, is like some form. There's WETH, there's all these derivatives of eth So it's just some derivative that I bought. I bought it at some point probably to spend it on something else. Like, usually these wrapped ethereums are used in some exchange or some NFT transaction or some marketplace. Like, you you you only ever do that to pay for something else with it.", "speaker_id": 0, "speaker_name": "User", "start": 608.8689951403567, "end": 640.6687951403565}, {"id": "e9d92a6e-ff97-4dd7-ba2b-d9f8f002999e", "text": "I have no idea what I was doing, but I happened to have you know, a fifth of an Ethereum token that I had forgotten was there, and it didn't show up in my wallet because it's kind of an obscure one, so it wasn't counting it.", "speaker_id": 0, "speaker_name": "User", "start": 641.7088951403566, "end": 655.0488951403568}, {"id": "17e55109-a7f3-4505-86bc-eb2207b43a09", "text": "Anyway, so I converted it back to Eth and it's so I have when I thought I had $90 in ETH, I have more like 500. In that in one of those wallets. And then I've got three or four other wallets that have less smaller things in it. I have have a Tim Ferriss NFT that's worth 60 or $80 that I probably paid a thousand for.", "speaker_id": 0, "speaker_name": "User", "start": 655.7488951403566, "end": 677.0787951403563}, {"id": "1753c510-72cd-4500-bdef-fa1672f79551", "text": "But that I just you know what I mean, have not thought about because, I mean, I like I say, I've got a 140 of them. They're like Yeah.", "speaker_id": 0, "speaker_name": "User", "start": 678.7488951403566, "end": 684.5488951403568}, {"id": "b8973497-b63a-447f-9c6b-911d897e2290", "text": "You have any kind of four zero one k's, IRA's, and", "speaker_id": 7, "speaker_name": "Speaker 7", "start": 686.2888951403565, "end": 691.5488951403568}, {"id": "8b34c5f1-aec9-4519-b198-118a449ee17d", "text": "Yes.", "speaker_id": 0, "speaker_name": "User", "start": 693.1421335228479, "end": 693.7021335228474}, {"id": "918f4d6a-5f3d-40db-8b9f-43469ba6240e", "text": "How does there's not much in it.", "speaker_id": 0, "speaker_name": "User", "start": 696.4521335228474, "end": 697.732133522848}, {"id": "48ce0398-ff63-46ac-aef1-c5db19dd6f2f", "text": "I think there might be a thousand bucks in it, maybe.", "speaker_id": 8, "speaker_name": "Speaker 8", "start": 697.732133522848, "end": 698.1321335228477}, {"id": "3559f360-b160-4de4-b67b-a43dccf6fb6d", "text": "I'm trying to remember how bankruptcy treats that.", "speaker_id": 7, "speaker_name": "Speaker 7", "start": 699.9421335228471, "end": 702.5821335228475}, {"id": "d646559f-0c3f-4f4d-979d-681ae4f60193", "text": "Retirement.", "speaker_id": 0, "speaker_name": "User", "start": 702.5821335228475, "end": 703.7821335228473}, {"id": "681c12df-e58a-4025-81ef-4d9c5321896f", "text": "Yeah. And whether you could consider the Bitcoin", "speaker_id": 7, "speaker_name": "Speaker 7", "start": 704.2620335228476, "end": 708.102133522847}, {"id": "23370322-c704-4d88-a95b-5bfcaa77c509", "text": "Yeah. Crypto as a I should look.", "speaker_id": 0, "speaker_name": "User", "start": 708.982133522848, "end": 711.6621335228474}, {"id": "f324c887-307a-45eb-967d-5fc8e68dd997", "text": "I didn't even think about that.", "speaker_id": 4, "speaker_name": "Speaker 4", "start": 711.6621335228474, "end": 712.2221335228478}, {"id": "31645002-823f-47cd-8697-e93fc7d2c8b7", "text": "I should look in look at my Wealthfront account. I had about $1,012,000 dollars in there. And I took 10 of it out to buy crypto with.", "speaker_id": 0, "speaker_name": "User", "start": 712.2221335228478, "end": 721.0221335228471}, {"id": "4b56d669-ee5a-44af-9e25-04072ade17e7", "text": "So that went to zero. Well, not zero, but whatever it ended up being, you know.", "speaker_id": 0, "speaker_name": "User", "start": 722.8621335228472, "end": 730.2521335228475}, {"id": "e180c442-9eb5-4b66-b32a-2c454eff2f08", "text": "I mean, I probably put a 150 something in into crypto, and I got about 30 out.", "speaker_id": 2, "speaker_name": "Speaker 2", "start": 730.2521335228475, "end": 733.052233522847}, {"id": "f6896e4c-7207-4011-a302-fe1f0d99208a", "text": "So some of what I've been living off of this year was that 30. I started pulling it out and spending it and Like, you know, using it to pay bills and stuff.", "speaker_id": 0, "speaker_name": "User", "start": 733.5020335228473, "end": 741.7821335228473}, {"id": "f24edcf8-2db4-466a-acb8-07999a15a17e", "text": "So if I had gotten in six months earlier, that 150 would have been worth 2,000,000. You know what I mean? Was just the timing thing. Like, I got in like you know, it's things start accelerating and everybody gets excited. And then I got in. And it went up some more but then it went right. Like, if I had gotten in right at the beginning of that. But again, that's not how we're like, I'm wasn't people that just are into it for its own sake are the ones that get in that early. Like Yeah.", "speaker_id": 0, "speaker_name": "User", "start": 745.5421335228475, "end": 774.1420335228477}, {"id": "610bccaa-5fcf-4c57-bfc5-9d59dd1be4e5", "text": "Everyone else gets in when it starts to heat up. So it's just a question. It's like a housing bubble where you're like, where are we, you know, where are we in this process? It's gonna pop some point Are we still do we still have some to climb or are we about to get screwed?", "speaker_id": 0, "speaker_name": "User", "start": 774.4621335228476, "end": 788.6621335228474}, {"id": "b0a6edf1-5da0-42f5-aa42-b865af99d99d", "text": "So that was the dumb money that made all the other people that got in before me rich.", "speaker_id": 0, "speaker_name": "User", "start": 789.3021335228477, "end": 791.6221335228474}, {"id": "505fffe0-fa14-4e00-aa51-bc8ab8d6dc36", "text": "Anyway, so yeah, I just figured that out. I've got, like, a little bit of a little bit of money there I didn't anticipate having. I kicked this If I could just I'm wondering if I could just hold on to it. Would I do that? I'm like, and and stopping the bankruptcy attorneys, do the the payment plan ends up double.", "speaker_id": 0, "speaker_name": "User", "start": 796.1821335228469, "end": 810.562133522848}, {"id": "8c126ad9-6e4d-4cfb-9f61-4d10d442eb58", "text": "Like, it's an eight you know, at $1,800 because it's a couple months. $150 a month.", "speaker_id": 0, "speaker_name": "User", "start": 811.1420335228477, "end": 816.5020335228473}, {"id": "00e9099e-4fd8-447a-8a54-04bbc7192a4e", "text": "So I pay it's half, But the financial place I'm in right now, I'm kind of like go down is pretty appealing to me.", "speaker_id": 2, "speaker_name": "Speaker 2", "start": 820.1521335228472, "end": 822.3920335228477}, {"id": "306d410e-c4d1-4c64-b27b-156a2802888d", "text": "Like, any kind of money that's have a job an extra $900 doesn't like Does change my life right now when I have no name. Right?", "speaker_id": 0, "speaker_name": "User", "start": 823.1421335228479, "end": 832.9421335228471}, {"id": "7bb79b00-abcb-49d6-a689-6f4b4c661f49", "text": "But then I'm like, it's not a", "speaker_id": 6, "speaker_name": "Speaker 6", "start": 833.8621335228472, "end": 834.5021335228475}, {"id": "9281228b-c8a8-4eab-8952-78cf50dc11c4", "text": "But it might be. In the middle of the bankruptcy, even problematic.", "speaker_id": 0, "speaker_name": "User", "start": 836.062133522848, "end": 840.6621335228474}, {"id": "b69c48b9-9f9f-41ef-a547-5b6bf781e3ca", "text": "Have two NRCs in my career.", "speaker_id": 7, "speaker_name": "Speaker 7", "start": 845.7021335228474, "end": 848.0222335228473}, {"id": "75c55891-0ba1-453f-9ed4-80f07b060cd2", "text": "I don't remember. Yeah.", "speaker_id": 3, "speaker_name": "Speaker 3", "start": 848.0222335228473, "end": 889.5409132490176}, {"id": "3fd11bd2-13b3-4851-b4d5-59ef9f7ff638", "text": "So he doesn't have to fight with the trustee.", "speaker_id": 7, "speaker_name": "Speaker 7", "start": 889.9409132490173, "end": 892.8209132490174}, {"id": "40e897b0-3687-4322-a2df-389e5f36f9e4", "text": "Uh-huh.", "speaker_id": 5, "speaker_name": "Speaker 5", "start": 892.8209132490174, "end": 893.220913249017}, {"id": "ad2e6c24-d758-489b-9f24-ea9601754290", "text": "That might make sense.", "speaker_id": 0, "speaker_name": "User", "start": 893.6609132490175, "end": 895.8209132490174}, {"id": "c21f9dbe-01c1-42f8-b220-a2213edf9049", "text": "Because like, one of the other he seems like a lot more, like, don't know, he's like very no nonsense and he's kind of a dick a little bit.", "speaker_id": 0, "speaker_name": "User", "start": 899.1009132490171, "end": 901.7409132490175}, {"id": "d0c31330-d66e-4316-80ee-de1125312d4d", "text": "To me. Like, you know, he's fine, but like there's just this kinda", "speaker_id": 0, "speaker_name": "User", "start": 902.1408132490178, "end": 904.7009132490175}, {"id": "0cfe6e9a-e450-4e01-afbf-62286e643fa7", "text": "Yeah.", "speaker_id": 6, "speaker_name": "Speaker 6", "start": 904.8609132490174, "end": 905.1809132490171}, {"id": "041a4c6d-4a15-4bf9-a1bd-33ea30ff2782", "text": "Hardness to him.", "speaker_id": 0, "speaker_name": "User", "start": 905.6609132490175, "end": 906.3808132490176}, {"id": "b1102feb-1ecf-4b81-bfbb-bcc8860e904d", "text": "Yeah.", "speaker_id": 1, "speaker_name": "Speaker 1", "start": 906.6208132490174, "end": 906.7809132490174}, {"id": "f95fce8e-8a34-4880-b3be-bd8cb7585eda", "text": "He doesn't really explain things. He's not walking me through stuff. He's just kinda like, just do this, you know.", "speaker_id": 0, "speaker_name": "User", "start": 907.220913249017, "end": 910.6610132490168}, {"id": "0d197b61-1d7a-4091-891a-17c4018af387", "text": "I'm like, okay. Can you help me understand?", "speaker_id": 2, "speaker_name": "Speaker 2", "start": 910.7409132490175, "end": 913.300913249017}, {"id": "21fe5cf9-d469-4693-bb02-3cd7d526eb7a", "text": "Like, just do this.", "speaker_id": 6, "speaker_name": "Speaker 6", "start": 913.300913249017, "end": 914.3409132490178}, {"id": "2c11f97b-b4e4-4f48-9990-73571f29c584", "text": "I'm like, alright.", "speaker_id": 4, "speaker_name": "Speaker 4", "start": 914.3409132490178, "end": 916.1809132490171}, {"id": "b6a820d6-9406-4f9e-a1f8-4dcbbd87b043", "text": "But one of the other attorneys I talked to one of the other the first bankruptcy consultations I did, he said, the trustee will kinda decide whether or not to sell your house.", "speaker_id": 0, "speaker_name": "User", "start": 917.1009132490171, "end": 926.9809132490172}, {"id": "1c668fed-cc03-4a7d-be8c-400906a41bf9", "text": "Because you have maybe a $100,000 in equity in it, but after fees and real estate agents and stuff, like, maybe there's 20. And it's like, at that amount, you know, if they don't get as much as they think they do, like it's just a big waste of time.", "speaker_id": 0, "speaker_name": "User", "start": 927.6609132490175, "end": 944.5009132490177}, {"id": "2c7aef87-0a44-492b-bb20-f0cdd5b9406e", "text": "He was kinda like, you're you're you've got an a like, I think it's I thought it was up to two.", "speaker_id": 0, "speaker_name": "User", "start": 945.3409132490178, "end": 946.1408132490178}, {"id": "e25fdf99-3401-41c0-8b9f-5bfa264b3035", "text": "It's oh, it's 50, 54. What I can keep. So if they sell the yeah.", "speaker_id": 0, "speaker_name": "User", "start": 955.6509901724467, "end": 960.330990172447}, {"id": "28377000-b637-4976-abe5-c7904c2481ca", "text": "If they sell the house, I keep 54.", "speaker_id": 2, "speaker_name": "Speaker 2", "start": 960.4110901724471, "end": 963.6508901724465}, {"id": "07d07549-33c0-44ca-bdcc-2ec6d757e7b1", "text": "I neither misremember or they are Is the two 50 is the two 50, I mean, there's the $2.50, well, it used to be. Tax exemption for if you sell primary residence.", "speaker_id": 0, "speaker_name": "User", "start": 965.9709901724473, "end": 979.1709901724462}, {"id": "bd13bb66-2618-4493-8caa-c199334e08b0", "text": "Maybe.", "speaker_id": 0, "speaker_name": "User", "start": 979.5309901724468, "end": 980.010890172447}, {"id": "6bfa3d4b-8018-4ac2-955b-2584c0ae8b81", "text": "But he was but this guy, the guy I'm with you, he's like, no. They'll definitely sell it for that. Like, they'll definitely sell it for that.", "speaker_id": 0, "speaker_name": "User", "start": 983.0510901724465, "end": 989.2208901724462}, {"id": "83cf2ac5-46e9-461e-af8e-ce24d3d76a9b", "text": "And I was like, alright.", "speaker_id": 6, "speaker_name": "Speaker 6", "start": 989.2208901724462, "end": 989.3808901724469}, {"id": "2992273e-df38-4a4a-b8d3-096ce1844500", "text": "The other guy was like, man, they probably won't. It's probably not worth it to to like take on that risk or whatever. Risk. It's just a waste of their time.", "speaker_id": 0, "speaker_name": "User", "start": 991.7309901724466, "end": 999.8509901724465}, {"id": "3f9537ac-963f-4771-9e2a-7664089f88e5", "text": "Doesn't really they don't really lose money.", "speaker_id": 8, "speaker_name": "Speaker 8", "start": 999.8509901724465, "end": 1001.210990172447}, {"id": "8e1557e0-a19a-42f0-b513-ca02f8b8f80d", "text": "But he's like, it's not just the money. He's like, it also means they get a like he's like, all their buddies like, all their connect they use their own real estate agents. They use their own, like, their people get paid.", "speaker_id": 0, "speaker_name": "User", "start": 1001.6909901724466, "end": 1010.5509901724472}, {"id": "8fa0096f-0a53-4ffa-a015-cc5fe16d9d38", "text": "Instead of whoever you're using. It's like that's part of it too. It's not just the money. I was like that makes sense but I don't know what The other guy was a lot more You you got a on the market.", "speaker_id": 0, "speaker_name": "User", "start": 1010.960990172447, "end": 1019.1308901724469}, {"id": "79c32467-467d-47cb-bff6-92190d6509bd", "text": "Already though.", "speaker_id": 7, "speaker_name": "Speaker 7", "start": 1021.2910901724463, "end": 1022.1710901724464}, {"id": "08cf405b-cca6-4bd1-9dd2-a5a025945eb6", "text": "And it's not selling? Yeah.", "speaker_id": 0, "speaker_name": "User", "start": 1023.701090172447, "end": 1025.370990172447}, {"id": "1fbf5298-af40-4d3b-9f2a-25b72023a299", "text": "So they can't just come in. In and and pre enter your realtor, can they?", "speaker_id": 7, "speaker_name": "Speaker 7", "start": 1025.370990172447, "end": 1029.5709901724467}, {"id": "41f2c996-d806-4aa6-bae3-a71719f293cf", "text": "That's a good question.", "speaker_id": 8, "speaker_name": "Speaker 8", "start": 1030.040990172447, "end": 1031.000990172447}, {"id": "e9356254-94c9-43cf-8300-39ee9fcdb05f", "text": "It's not now. The listing expired. But that's a good question. If I have a contract with a real estate agent,", "speaker_id": 0, "speaker_name": "User", "start": 1032.7308901724464, "end": 1039.290990172447}, {"id": "b1e6694c-1972-4fd8-9184-00248df390e8", "text": "I know.", "speaker_id": 9, "speaker_name": "Speaker 9", "start": 1043.4109901724469, "end": 1043.9709901724473}, {"id": "b68b11e1-ceaf-4e5f-bcfd-60d467d6f696", "text": "I guess I'll ask him that.", "speaker_id": 0, "speaker_name": "User", "start": 1045.2508901724468, "end": 1046.5309901724468}, {"id": "26f2e528-580d-44d0-8505-34e86e7ea266", "text": "I don't really care. I mean, I I have a preference, but I'm also like I just wanna like be I mean, I'm gonna discharge, you know, a $150,000 of the credit card debt.", "speaker_id": 0, "speaker_name": "User", "start": 1050.5209901724465, "end": 1080.242779849581}, {"id": "8a0956a2-1e80-41c7-9dfa-f75f3a37484f", "text": "So, like, I'm not, like, trying to trying to make an extra $20,000 on selling this house.", "speaker_id": 0, "speaker_name": "User", "start": 1080.2628798495807, "end": 1085.7628798495807}, {"id": "d6560e2d-c133-471e-8b49-61048c523e49", "text": "Isn't Yeah.", "speaker_id": 2, "speaker_name": "Speaker 2", "start": 1087.0028798495805, "end": 1088.2829798495804}, {"id": "66dcfe7e-90eb-4c46-aaaf-7153c62c90d0", "text": "And like you know, being, upside down and behind on everything and, like, under the gun know what I mean? It's like, I just need to get clean so that I can like live", "speaker_id": 0, "speaker_name": "User", "start": 1089.2829798495804, "end": 1098.0428798495805}, {"id": "67489dcb-5085-4228-ac05-9a452fac5408", "text": "Yeah.", "speaker_id": 6, "speaker_name": "Speaker 6", "start": 1097.9628798495805, "end": 1098.2028798495803}, {"id": "32877b0e-2e49-4903-9a64-d40d052f6a9a", "text": "Again and like start rebuilding. I don't I'm not trying to hold on to this 10\u00a2 on the dollar. Yeah.", "speaker_id": 0, "speaker_name": "User", "start": 1098.2428798495803, "end": 1105.522879849581}, {"id": "27fe3911-e0d1-4ee4-8b9a-6cb0c8688ea1", "text": "Right?", "speaker_id": 8, "speaker_name": "Speaker 8", "start": 1105.8428798495806, "end": 1106.3228798495802}, {"id": "bc84e5e1-cf05-4e31-877f-9e319cef2b2a", "text": "Yeah.", "speaker_id": 6, "speaker_name": "Speaker 6", "start": 1106.3228798495802, "end": 1106.562879849581}, {"id": "8ed91388-6f24-4ceb-91da-2a54f21dc264", "text": "And the thing too is that if I did sell the house, for whatever I sell it for, The only benefit would be Tracy would get paid.", "speaker_id": 0, "speaker_name": "User", "start": 1109.1629798495806, "end": 1116.7627798495805}, {"id": "cc9d66af-5bb7-401e-bb77-cad669d803f0", "text": "Because I'll still only get $54,000. Like, if I have a pile of money I guess I could just spend the money to live for a while.", "speaker_id": 0, "speaker_name": "User", "start": 1118.1228798495804, "end": 1124.3627798495809}, {"id": "1d364716-9a11-422a-8bfe-5ca3ebba47be", "text": "Spend it down and then declare bankruptcy when I when I'm like, okay. Yeah. I don't know. I don't know how it would work.", "speaker_id": 0, "speaker_name": "User", "start": 1125.482879849581, "end": 1130.562879849581}, {"id": "180a3ed0-d228-454e-bbc0-2d95b521093b", "text": "Like, what's the have you declared your back child support?", "speaker_id": 7, "speaker_name": "Speaker 7", "start": 1134.0428798495805, "end": 1136.522879849581}, {"id": "516833d6-b3e5-421d-b9e5-909ed510127e", "text": "No.", "speaker_id": 0, "speaker_name": "User", "start": 1137.6327798495804, "end": 1138.3527798495807}, {"id": "28d87044-a5f4-4f33-a0ab-0604271ed8ae", "text": "You ought to do that.", "speaker_id": 2, "speaker_name": "Speaker 2", "start": 1139.4029798495803, "end": 1140.5229798495802}, {"id": "4b1f601c-1139-4706-9cfd-46d05f2570b0", "text": "Okay. Because that will that would affect whether they sell this because", "speaker_id": 7, "speaker_name": "Speaker 7", "start": 1140.5229798495802, "end": 1145.7628798495807}, {"id": "4bffe278-0404-4550-8e9f-cb6fb7fecaa2", "text": "Yeah. K.", "speaker_id": 6, "speaker_name": "Speaker 6", "start": 1153.1256402408899, "end": 1156.4456402408905}, {"id": "cf449324-8126-4e42-94ae-b74fd01f3fc0", "text": "You know? And they won't you know, you can't bankrupt out of Or taxes.", "speaker_id": 7, "speaker_name": "Speaker 7", "start": 1160.5655402408902, "end": 1164.8838622890844}, {"id": "84a87ef5-39bf-4694-9e17-9233c39f4987", "text": "Right?", "speaker_id": 2, "speaker_name": "Speaker 2", "start": 1168.611566678279, "end": 1169.651566678278}, {"id": "f1e682c6-d5b0-47f1-b056-b84c29675020", "text": "Or taxes. K.", "speaker_id": 2, "speaker_name": "Speaker 2", "start": 1169.8815666782784, "end": 1170.7615666782785}, {"id": "ebeadc12-5fad-46b5-ba61-61c8921f7653", "text": "But that would that would give you", "speaker_id": 7, "speaker_name": "Speaker 7", "start": 1171.4415666782788, "end": 1173.9215666782784}, {"id": "c6d23960-f08a-421b-99ec-b79cfec9691c", "text": "Right.", "speaker_id": 2, "speaker_name": "Speaker 2", "start": 1180.46285068631, "end": 1180.7828506863098}, {"id": "027328a7-c6d2-4c92-933e-4442ae26d9aa", "text": "If you wanted to", "speaker_id": 7, "speaker_name": "Speaker 7", "start": 1181.0728506863106, "end": 1182.0327506863105}, {"id": "7579131f-2662-4daa-ac51-f1c3d48216e6", "text": "Yeah.", "speaker_id": 6, "speaker_name": "Speaker 6", "start": 1182.1928506863096, "end": 1182.43275068631}, {"id": "7b597c68-6045-4f9f-8950-9cd3d06513dc", "text": "Better to have Yeah.", "speaker_id": 6, "speaker_name": "Speaker 6", "start": 1186.37285068631, "end": 1195.2491028034729}, {"id": "0af0d0e1-21d6-45b4-9572-bc34ad5ce490", "text": "Trade and would protect her.", "speaker_id": 5, "speaker_name": "Speaker 5", "start": 1197.4291028034722, "end": 1197.669102803473}, {"id": "62b1db75-877b-4504-8369-3dcbf4136e23", "text": "Yeah.", "speaker_id": 6, "speaker_name": "Speaker 6", "start": 1198.1492028034727, "end": 1198.9491028034727}, {"id": "a2911a45-fac2-4556-ad26-d8eb60a5afeb", "text": "That she can then get the realtor fee.", "speaker_id": 7, "speaker_name": "Speaker 7", "start": 1199.4691028034722, "end": 1206.9204495918857}, {"id": "c03c2444-5cd6-47e8-8d5d-85b764f4ea2e", "text": "Yeah. I'll ask I'll ask.", "speaker_id": 3, "speaker_name": "Speaker 3", "start": 1206.9204495918857, "end": 1208.2804495918863}, {"id": "abe023e5-1747-4ce6-8480-6d1ae8a8dda7", "text": "Gonna talk to him on Thursday. I'll ask him about that. Because that's a good question.", "speaker_id": 0, "speaker_name": "User", "start": 1208.7504495918856, "end": 1211.9103495918862}, {"id": "3d6773ec-fe26-4ae6-b99b-b5f66c48ad12", "text": "Yeah. I should look at my Wellfriend account. I know there's something in there too.", "speaker_id": 8, "speaker_name": "Speaker 8", "start": 1215.890449591886, "end": 1228.3198382748324}, {"id": "e017677d-bbac-4ed2-aa7d-20ed02075674", "text": "And I wonder get out of the way.", "speaker_id": 0, "speaker_name": "User", "start": 1229.4196382748323, "end": 1239.471703447035}, {"id": "6b654472-115f-49db-83c7-5c03a66ae187", "text": "Most retirement accounts are fully protected. They're exempt under the bankruptcy law. Okay. So, like, whatever's in there, I can keep, I guess.", "speaker_id": 0, "speaker_name": "User", "start": 1243.3117034470351, "end": 1283.998936999972}, {"id": "f9e3844b-bd71-4e29-8cff-74f75f80ca00", "text": "Let me see what I've got. I I I don't it's not gonna be much.", "speaker_id": 10, "speaker_name": "Speaker 10", "start": 1287.9490369999721, "end": 1302.3805723298046}, {"id": "d2b1985c-b877-4cf8-9dc9-00960f70df96", "text": "Maybe a thousand which I don't know. I wonder if", "speaker_id": 0, "speaker_name": "User", "start": 1306.360572329805, "end": 1307.9605723298046}, {"id": "555e88e8-557d-4948-8f59-497ca1154218", "text": "I wonder if it might come in handy to pull it out and use it. If it takes me a few more minutes to", "speaker_id": 10, "speaker_name": "Speaker 10", "start": 1311.4605723298046, "end": 1319.7805723298052}, {"id": "b968894f-9deb-4f3f-9512-fe863b617ba0", "text": "Let's see. Like, what net worth is less than zero.", "speaker_id": 10, "speaker_name": "Speaker 10", "start": 1335.2978689778565, "end": 1337.2978689778565}, {"id": "d5015bf2-ee3c-4be9-9eb8-052200eeb195", "text": "50 maybe? And now 50?", "speaker_id": 10, "speaker_name": "Speaker 10", "start": 1343.9178689778564, "end": 1346.9612480080923}], "geolocation": null} |