Tired of being judged...

[WantToBeDebtFre]

It took me a lot of courage to contact an attorney and decide to file bankruptcy. The only thing easy about it is knowing that there is a way out instead of living in this situation for the rest of my life.

[B12]

In total agreement that this forum is priceless.

Regarding the knee pads............most of the tradesmen I knew wore them, but they only can give so much protection. The injuries result from the forceful banging of the knee against the kicker.

[Cassiopeia]

It took me a lot of courage to contact an attorney and decide to file bankruptcy. The only thing easy about it is knowing that there is a way out instead of living in this situation for the rest of my life.

You're absolutely right about the courage to file. When I look back, I was a prime candidate for BK exactly a year and a half prior to my finding a lawyer and actually filing! I just did NOT want to face the fact that I had to do it. There was no other way out....but I put it off and put it off. My health really suffered through that time of harrassment by creditors and worry.

Since I have filed, and been discharged, I have a whole other attitude about BK. Big-time relief, and very proud of myself for having done it. No shame at all.

[sickandtired8]

Try this!

I felt really bad to but what helped me was looking at Pacer and seeing that everyone else had filed too. I was shocked how many people have done it. You might try that. hehe
S&T
Discharged 10-12-07

Hi there...OK..this will be a long vent thread here...sorry

My husband and I recently filed for Ch7, and in the process surrendered our home and a car. Our home was on the market for over 14 months with two realtors and 3 offers that fell through. We built this home just 4 years ago, and used all of our profits from the sale of our first home to "make it perfect"..and it nearly landed me in the hospital with a nervous breakdown (literally) when we had to surrender it to the bank. We had our only two children born while we lived there, and I have fond memories of our lovely home. And the vehicle we surrended was paid in full and never even used until I had children (I drove a beater to and from work-while it sat in the garage looking pretty). We had to take out a loan on that vehicle just to keep our heads above water while our house was on the market. I lost my job shortly after my daughter was born 3 years ago, and haven't been able to find a job that we would come out ahead after daycare costs. My husband has been laid of most of the last 3 years, and has had to be on disability 3 times because of knee and ankle problems (he's a flooring installer).
Basically, I am sick and tired of people judging us and making it sound like we took "the easy way out" by filing BK7. Do these idiots realize that we had to give up everything we worked so hard for, and now have to start all over again. What took us 7 years to build, was lost in 14 months. I mean everything...we had to sell off furniture, tools, etc just to stay ahead. But we took the "easy way out". I'm just sick of it.
I don't want to sound ungrateful, because I am very grateful that we are blessed with our good health, and more love and joy that I could ever hope for....but still it just gets old.

[Curious]

Thanks again...

All of your comments have really helped...and to be honest, it's actually our own family that is doing alot of the judging. They just think that my husband could have "worked harder and longer hours" instead of having to go the BK route. I don't know how they figure that when during the year of 2006 alone he was immobile or on crutches for 24 weeks of the year after his surgeries. (And I couldn't work during that time because I had to take care of him and our child-along with the 5 children I was babysitting at that time)
Anyway, as far as the knee pads go he does have them, and they are a custom made set that cost him almost $300.00 that protect from his upper ankle all the way past the knee cap (luckily his employer paid for them at that time). They are terrific and do help, but the wait of the body on the knee caps for so many hours a day still causes the same problem. It's called bursitis (it's almost like a callus that builds up beneath the knee cap, and eventually starts to break up into pieces and float around causing much pain and discomfort).
Sorry, that's a little off the subject....but anyway..thanks again and keep the support coming!

[JollyGG]

I felt really bad to but what helped me was looking at Pacer and seeing that everyone else had filed too. I was shocked how many people have done it. You might try that. hehe
S&T
Discharged 10-12-07

I did that as well, and yes it does help one feel better. I typed in the names of all my relatives and came up with quite a list who had filed. I haven't tried the neighbors yet.