Well, it has been awhile since my last message on the (now Pen Truth Blog.). But this probably worked out for the best. I’ve learned one of the most important lessons, which is that even though your bankruptcy has been discharged, there are certain obligations which are not wiped out by bankruptcy. In my case this includes Property Taxes and Home Owners Dues (I live in a condominium complex). To start with, my HOA (Home Owners Assoc.) dues were raised considerably because so many owners walked away from their houses. I chose to not do this and and definitely want to keep my home. My little house is described as a condo, but I think of it as my little house and totally want to stay here.

