We had our first consultation waaay back last summer, paid $250 to retain the attorney, and then have been trying to get the rest of the fees together. It's always something...car died and had to buy a new (used!) one, holidays, general head-in-the-sand trying to avoid the inevitable, etc!
Last week a got a summons on one of my Chase accounts with 20 days to respond, so the time is nigh. I pulled an all-nighter getting the packet all filled out, and the mortgage is going to be late because today's paycheck is largely going to the attorney. Yesterday I put everything in overnight mail, and today I'm watching package tracking to make sure it gets there safe and sound.
Man, I feel like we've been "in process" for months (well, duh, I guess we have! LOL!) and when I watched that package go in the mail sack, I wanted to cry. I'm not even sure if they're good tears or bad tears....just sort of numbness. I'm SO ready to just put all this crap behind us, but still just sad that it had to come to this. So many mistakes....so much stupidity.
We had about $72K in CC debt 8 years ago, and worked with a debt management program (a really nice one, actually!) to pay down about half of it over a couple years, and then paid off the rest with my husband's inheritance. We both thought, "NEVER AGAIN"!
Well, here we are. We did the online pre-bk course yesterday, and when I added everything up, it was over $90K counting the bill from the auto loan for the car that was repo'd last fall. Holy crap--how can we have that much debt and nothing to freaking show for it? It's not like we go out and buy fancy, big stuff. I think we literally $20'd ourselves into a sink hole.
But then again, maybe this is just what it's going to take for us. The mere thought of a credit card makes me want to puke. And I suppose that right there is the "salvation" of bk...when you're debt is forgiven and you're ready to "go and sin no more".
Anyway, I have a headache. Blah.
Last week a got a summons on one of my Chase accounts with 20 days to respond, so the time is nigh. I pulled an all-nighter getting the packet all filled out, and the mortgage is going to be late because today's paycheck is largely going to the attorney. Yesterday I put everything in overnight mail, and today I'm watching package tracking to make sure it gets there safe and sound.
Man, I feel like we've been "in process" for months (well, duh, I guess we have! LOL!) and when I watched that package go in the mail sack, I wanted to cry. I'm not even sure if they're good tears or bad tears....just sort of numbness. I'm SO ready to just put all this crap behind us, but still just sad that it had to come to this. So many mistakes....so much stupidity.
We had about $72K in CC debt 8 years ago, and worked with a debt management program (a really nice one, actually!) to pay down about half of it over a couple years, and then paid off the rest with my husband's inheritance. We both thought, "NEVER AGAIN"!
Well, here we are. We did the online pre-bk course yesterday, and when I added everything up, it was over $90K counting the bill from the auto loan for the car that was repo'd last fall. Holy crap--how can we have that much debt and nothing to freaking show for it? It's not like we go out and buy fancy, big stuff. I think we literally $20'd ourselves into a sink hole.
But then again, maybe this is just what it's going to take for us. The mere thought of a credit card makes me want to puke. And I suppose that right there is the "salvation" of bk...when you're debt is forgiven and you're ready to "go and sin no more".
Anyway, I have a headache. Blah.
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