The decision to file didn't come with ease. Unlike many, I had options. I didn't have to file, yet I determined this was the path of least resistance due to a deliberate foreclosure in a deficiency judgment State. My thinking coupled with the fact that I was truly a C7 candidate eased the decision-making process.
I spent a significant amount of time learning the consequences of filing. I quickly understood I'd trade my potential house deficiency and "baby" CC debt load for relief. Credit scores can be rebuilt. My house should too...although, I can't afford it. While my job requires a special license, my BK won't disrupt it. Hakuna matata to the aforementioned.
My lingering concern has been taking care of my dogs. (Note: I'm not one of those crazed people obsessed with my dogs). They are my responsibility and serve a wonderful purpose in my life. Last night, one of my dogs came in from outside limping. I did my best to suppress worst-case scenario thoughts and monitored him throughout the night. He didn't appear to be in pain; although, he refused to place any weight on his leg. A new sun rises and his leg remains raised. We embark upon day two of gimp status. (Yes, emBARK is intentional).
I just returned from the vet with new information. My dog requires surgery to repair his leg. The cost is approximately $2500. I maintained my composure while discussing my dog's problem with the vet (my BK status plug was bereft of positive effect). I tend to be a logical chica; although, I had a complete breakdown after leaving the vet.
One residual fear despite confident BK strides...I feel like the Universe making a mockery of me!
I'm surrendering my fears and my mini nest egg. Surgery will occur within the next two weeks.
I spent a significant amount of time learning the consequences of filing. I quickly understood I'd trade my potential house deficiency and "baby" CC debt load for relief. Credit scores can be rebuilt. My house should too...although, I can't afford it. While my job requires a special license, my BK won't disrupt it. Hakuna matata to the aforementioned.
My lingering concern has been taking care of my dogs. (Note: I'm not one of those crazed people obsessed with my dogs). They are my responsibility and serve a wonderful purpose in my life. Last night, one of my dogs came in from outside limping. I did my best to suppress worst-case scenario thoughts and monitored him throughout the night. He didn't appear to be in pain; although, he refused to place any weight on his leg. A new sun rises and his leg remains raised. We embark upon day two of gimp status. (Yes, emBARK is intentional).
I just returned from the vet with new information. My dog requires surgery to repair his leg. The cost is approximately $2500. I maintained my composure while discussing my dog's problem with the vet (my BK status plug was bereft of positive effect). I tend to be a logical chica; although, I had a complete breakdown after leaving the vet.
One residual fear despite confident BK strides...I feel like the Universe making a mockery of me!
I'm surrendering my fears and my mini nest egg. Surgery will occur within the next two weeks.
Pets are part of the family and I hope all goes well with the surgery. It is wonderful that you can provide his needed care at a time when under such stress. When it is all said and done, I hope he/she brings you many years of happy companionship.
Bankruptcy Wizard
(first 341 10/14/09, cont'd 341 
I just wish the world would stop knocking me down below the surface. Gosh, I hope my shovel is an exempt asset! 
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