New here getting ready to file

[fireman32]

Hi all. This is my first post and hoping this place will help ease the stress of filing. I had my inital consultation the other day and start the filing process next wed. Even though this will wipe out my debt and get me on a road to recovery i am still stressing out over this. I am hoping that you all tell me that I am stressing out for no reason.

[frogger]

Read, read, and read some more. Read the stickys, study the posts, and you will have answers to many of your questions.

I can't say that you're stressing for no reason, because this is stressful. However......

Knowledge is power.

[Billssuck]

I think the stress for me was not knowing really what could happen after I filed. I am still in the learning process since I just filed in May 09 but once it was confirmed there is a sense of relief. However, it does get hard as life throws you curve balls (husband is getting laid off Oct 31st but just had an job interview on Monday and was called back for a second interview next week). It's not easy but at least you're taking action for your indebtedness.

[klandsb]

Plain & simple its stressful !!!! Knowing you are going to be out of debt should bring such relief but facing 5 yrs of pmts & having to get permission to purchase anything is kinda a downer for me. I keep telling myself it will be ok but when I lay down in bed at night I have a million things going thru my head. What about this, what about that ect... I am divorced and facing this alone. I'm not whining but facing it with someone else would at least give you someone to talk it over with. I dont even want to talk about it with the majority of my family. My sister & my mom are the only ones that know and I want to keep it that way. Yes, I am ashamed I got myself into this mess.
I could go on & on but just wanted to let you know your stress is a normal part of the process... I love this site & enjoy reading about others successes...That gives me hope !!!

[AngelinaCatHub]

Plain & simple its stressful !!!! Knowing you are going to be out of debt should bring such relief but facing 5 yrs of pmts & having to get permission to purchase anything is kinda a downer for me. I keep telling myself it will be ok but when I lay down in bed at night I have a million things going thru my head. What about this, what about that ect... I am divorced and facing this alone. I'm not whining but facing it with someone else would at least give you someone to talk it over with. I dont even want to talk about it with the majority of my family. My sister & my mom are the only ones that know and I want to keep it that way. Yes, I am ashamed I got myself into this mess.
I could go on & on but just wanted to let you know your stress is a normal part of the process... I love this site & enjoy reading about others successes...That gives me hope !!!

Hey, brother: You ain't the first one here. This economy is not our faults. Blame any politician from Bush to Bammy, and for sure Barney Frank who instigated Fannie and Freddie and now will save us all.

You did the right thing and that is, realizing time is your enemy with your bad habits that got you here. Normally, those bad habits (we all had them) you could skip by. Now things are different. You can't skip by, you have to take business in your own hands and fix it. You have taken that first step. Now, get a good nights sleep. 'Hub

[liz417]

This process is stressful, but when you know what to expect, it won't be as stressful. So read everything you can

Good Luck!