It is a relief to see the document stating that our Chapter 13 payment plan is confirmed, dated 10th of May 2010. Yes, I did know that our case (joint filing) was straightforward, but I still couldn't help being anxious that our case might be denied.

To date, we are 5/60 into the plan; we have been giving payments since January 2010. The plan is quite doable, and I am pleased with the terms. I am currently handling the budget in our family, and I have become quite conservative in our spending.

My husband and I see this as a new beginning, financially. And we are just glad that we are able to take control of our debts before it consumed us.

Perhaps we can relate how our journey started. In the next blog entries, we will try to tell our story. In the meantime, best to all who are also experiencing BK. It shouldn't be the end of the world.