I don’t know that it’s too leftist for me - just a lot of the personalities are too much for me - i can’t listen to anymore Bernie-would’ve-won and Hillary’s-a-war-criminal 8 years later.
I also think Hillary would’ve been a great president for real, so no one likes me either.
That’s actually a really great point that was hitting on something I felt but didn’t understand about my interactions and I think it really sums it up. It feels like every community is a general community here - explaining how technology works on reddit to someone on a general purpose sub was expected, but here you get people posting clickbaity anti-capitalist anti-tech shit in tech communities that are factually wrong and getting absurd upvotes and agreement from people who agree with the politics and that’s all.
And whatever hexbear is.
That’s funny. My experience with lemmy is it’s overwhelmingly leftist. And anything that doesn’t reinforce their worldview is heavily downvoted. Every liberal who isn’t hanging out on lemmygrad is called a liberal as a slur or a reactionary.
What isn’t true that I was replying to is that chapter 11 bankruptcy is only for corporations and gazillionaires. Regular people can use 11 to their benefit often - especially if they aren’t so far in the hole they can’t see daylight.
Secured debt can be discharged without forfeiting the collateral by paying it off or coming to a new arrangement in a chapter 11 proceeding.
While there is a lot of discretion judges get in the vast majority of 7 or 13 proceedings, unsecured credit holders are entirely wiped out, or very nearly. Each individual case is different of course.
Sometimes I want to see things besides hard left politics, Linux and furries. And a huge helping of divorced-from-reality beyond-left opinions from .ml and whatever hexbear is.
And I know I can block all those communities, but you’re not left with a ton once you do. Those demographics are dramatically over represented on lemmy.
As much as I hate to admit it, I’m considering it too - not instead, but also. I haven’t been back since Apollo died but Lemmy just doesn’t have the diversity of interests and niche communities yet. It feels really one dimensional sometimes.
Soylent is people.
You can and will lose your home in many many states (non homestead states primarily). If the person you aren’t paying is your mortgage holder, you’re definitely going to lose your home You will also almost always lose non-primary residences provided they need to be liquidated to settle your debts. You will be given any excess money from the liquidations after your debts are settled.
If you’re settling debts you’re probably doing chapter 11 not 7.
Chapter 11 requires your lenders to play ball, but if they think they can make more money by extending terms of offering a discount than if they force you into chapter 7, they will.
If you make $5k/mo and your living expenses are $3k/mo and you have $3k/mo of debt for the next 30 months, reasonable lenders would look at that and say I’d rather have $1.5k for 60 months and I believe you can pay it rather than rolling the dice in chapter 7 on what assets you have or don’t have and what they’re worth when they finally get liquidated.
Fair point.
That’s chapter 7. There are some debts that cannot be wiped out via bankruptcy. That’s true for corporations too. And when it happens, they get liquidated.
You can’t really liquidate a person and cease it to be an ongoing concern. The dynamics are different.
Chapter 11 can and does get filed by people - but it’s a reorganization, and buys you time to negotiate with the debt holders if able for a reduced amount or a longer repayment plan or reduced interest instead of going through chapter 7 where they’ll get nothing or very little if it’s unsecured debt.
Both will tank your credit.
“Wait, actions have consequences?” - Russia, probably.