i'm feeling ok w/this chap 7 & Heres why

[br7cat]

* hardly know anyone that can get credit, no matter what their score is?

* Was given huge amounts of credit when (3-4 years ago) just couldn't afford it.

* Always tried to work w/creditors-ALOT, but they wouldn't listen & anyway, my 341 meeting is tomorrow & I'm really ok w/not having an attorney. Friends I know say atty didn't show up anyway so?

[Recessionist]

You are going through what a lot of average hard working Americans are going through. It's not just you, and you are not a bad person.

I wish you the very best in your 341. You should feel ok. You ARE ok.

[fltoo]

No need to rationalize it. You are doing absolutely nothing wrong in filing BK.

[DownNotOut]

Yep, I have two cards with WaMu that are now Chase. When things started going south, I tried and tried to get them to work with me by lowering interest rate, etc... and they were flat out rude. Sorry, there's nothing we can do to help you. Well, when I stopped paying in Feb., guess who's ringing my phone off the hook and mailing me letters trying to work something out now. Bah! They can stick it! I don't have any money to give them now anyway, so all their "deals" don't matter. I just tell them, "Sorry, there's nothing I can give you."