Its been 5 mths since my last payment (wage garnishment) . Creditors had until last Friday April 10th to object. Came home today , checked pacer and wahla- Voila and everything else. Discharge entered today 4-13-15... I actually have butterflies in my stomach to finally have this completed. Its is a huge sense of accomplishment for me. Starting out I looked at the credit card debt I had accumulated from my divorce, being a single mother , and putting my wants in front of my needs too many times and I was overwhelmed. Depressed and had no idea how I would ever get my financial life back on track and in order... Bankruptcy was not an easy choice . I tried the debt settlement route & gave some company in Texas almost a years worth of payments before I realized what a scam it really was. The sheriff showed up at my door with papers too file a lien on my house. When I called the debt settlement company they told me that was a possibility once I stopped making payments. Lesson learned the hard way. Anyway, that forced me to file and I have never looked back. I have had some really lean times . I have cleaned out every coat pocket and the bottom of every purse I had but I made it work. Today I am so very happy with my decision to file . Its a chance at a fresh start I never thought possible 6yrs ago... I am doing my HAPPY DANCE for sure 
P.S. This site was my life line so many times. Especially in the beginning. I would read & read soaking in everything I could about a Chapter 13. There are so many experienced , helpful , members. Thank you all from the bottom of my heart...
P.S. This site was my life line so many times. Especially in the beginning. I would read & read soaking in everything I could about a Chapter 13. There are so many experienced , helpful , members. Thank you all from the bottom of my heart...
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