Whee! It's done!
I'm officially debt free! None of my creditors contested the bankruptcy so as of August 31, 2008 at 11:59pm, I received an automatic discharge. I haven't officially gotten any documentation from the Trustee yet, but I'm sure that will be coming within in a week or so. However, I just faxed my final Income and Expense Report to them.
I feel like a monkey is off my back and I have some control, and privacy, back in my life
The next and final step, is getting back to my job and that is in the works!
I have to say to those who are drowning in debt and trying to juggle a mounting debt load and going without food and medications at times in order to pay bills, that is no way to live
Bankruptcy is not the ideal way to dealing with your debts, but there comes a time where it is the only viable option, and having gone through it, I can tell you that making the decision is the hardest part. Once you make that decision it feels like a 10 ton weight has been lifted off. My money problems and bill collectors were not only affecting me physically because I was so stressed out from being harassed, but it was also affecting me mentally and I was falling into a depression that was affecting my ability to rehab and motivate myself to keep pushing forward.
So if you are going through some really tough financial times, don't be embarrassed if you have to consider and pursue bankruptcy. The process is really not that bad and it's pretty painless. I don't regret for a moment having taken the step. Plus it's a huge wakeup call to change your money habits
Cutting up credit cards and getting a consolidation loan just doesn't do it. Bankruptcy on the other hand is like shock therapy; a real wake up call.
I'm officially debt free! None of my creditors contested the bankruptcy so as of August 31, 2008 at 11:59pm, I received an automatic discharge. I haven't officially gotten any documentation from the Trustee yet, but I'm sure that will be coming within in a week or so. However, I just faxed my final Income and Expense Report to them.
I feel like a monkey is off my back and I have some control, and privacy, back in my life
The next and final step, is getting back to my job and that is in the works!
I have to say to those who are drowning in debt and trying to juggle a mounting debt load and going without food and medications at times in order to pay bills, that is no way to live
So if you are going through some really tough financial times, don't be embarrassed if you have to consider and pursue bankruptcy. The process is really not that bad and it's pretty painless. I don't regret for a moment having taken the step. Plus it's a huge wakeup call to change your money habits