My story...request for comments.

[momisery]

You know... you just keep doing what was drilled into your head as the "right" thing. Keep tapping your savings to pay the bills, because it will get better and you should pay those creditors. That just kept running thru my head. But when we lost our tennant and WF still continued to lose our paperwork to try to do a short sale, then the Deed in Lieu and we got a letter from their attorney, we pretty much knew they were going to come after us. We had nothing, but still they might do it. We had spent all our savings, hubby had been laid off over and over again and his mental health was not so good. Of course I was simply crazy by then. Then the medical debt from all the stress I think, and the crummy insurance here is a 80/20 that goes up to 9 grand per year. That is a lot of money when you are paying out 230 bucks monthly on one salary and losing your hinny. We did take a trip, but my 90 year old Dad was having Colon Cancer surgery and I was afraid I would never see him again. We drove out in one week and back, and lived cheap out there at his home. Anyhow, my point is all of us "bottom feeders" in income worked so hard thinking it would get better.....and then the bail outs started coming to the business world. I mean I get it that we would have had the great depression and we can not go there, but geesh, the mess t hat got us t here under Bush,clinton and all the way back to Reagon made me so angry. And then they did not want to put any real regualtions on these companies that we taking our handouts.. and we did not get to write off the charity we GAVE them.. lol... I figured finally that they have the CPA's working for them and if they messed up, why should I even try anymore. So, we filed and who knows how tomorrow will go with out 341, but I know we do not have a choice. We would be buried alive in debit if we did not file.