Hello everyone,
This is my first attempt at a blog. My writing skills are fair at best and I usually am pretty private.

A little background on me..

I am a 29 year old married father of three children. From the time I was 21-27 years old I made a 6 figure income. My wife stayed home, we went on vacations, bought nice cars, the story goes on and on and on..

Two years things atarted to change in our lives. Work slowed way down and bills never did.

In early 2008 it made no sense for me to stay at my job. My lovely wife have found a good, secure job. We both made the decision for me to leave and start over.. Find something new.
Well that was not so easy. I was off of work from January/2008 till October. In this time I had no choice but to give back my car to the bank. It was $800 payment we could no longer afford. It hurt to give our family car back to the bank. Problem was we owed 20K on a car that was worth 6K at the time. Bottom line was we could no longer afford the payments.

Luckily in October I landed a good job with good pay at a law firm.

Our situation has improved hoever our bills still reflect someone who makes 150K + a year.


After speaking with my boss (attorney) I have decided I am going to BK my debt. It totalls about 30K. The main reason I am doing this is because my life long dream has to become a Police Officer. Getting hired to be a Police Officer requires an extensive background check. Much of which revolves around your credit. I was told by two different background investigators that going BK would be better for me in the background then having this old debt laying around.

So here I am now.. Hoping to file next week.
Only concern is I have a tax return coming to my wife and I cannot afford for the trustee to take it. We are married filing seperately. I hope and pray it is OK as we need that money badly right now.

I will chime in every day or two.