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    We signed!!!

    Hi Everyone,

    I thought I was going to throw up! Our attorney is filing a "bare bones" petition to get the ball rolllin, and stop the lawsuit from discover card.

    There are some other minor things from dh's LLC that have to be worked out, so the "real" petition will be filed on the 27th or 29th of this month.

    We had to sign our name in many a spots, and whenthe paralegal said "sign here this is declaring to the world you are bankrupt and can't pay your bills" That's when I almost lost it. I saw the defeat in my husband's eyes and body language.

    It took 2-hours. It looks like our payment plan with the 2 cars included will be about $1300 a month. That could go up. Over 5 years, we're paying back about 24% of the 100+k of debt we have, I know it's not "fair" to the rest of the world. I feel guilty about that. I'd be happy if I never used another credit card in my life.


    Anyhow. That's how it went. I got physically sick when I got home. I think it was a release of all the stress.

    #2
    make sure you check the court records when you recover somewhat to see if Discover filed anything.

    You will be ok. It is tough but once the phone stops ringing and there is no fear about going to the mail box you might actually feel human again. GL

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      #3
      Yes, that is one of the things I keep reminding myself of - my phone is not ringing from 8 am to 9 pm anymore - same with our cell phones, and no more fear of calls at my job. There is still alot of stress (not confirmed yet), but none of us took this decision lightly, not even in the least. Good luck to you!

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