This has been the hardest thing in my life that I have ever had to go thru and in a way I should be thankful that my family doesn't have to deal with worse things. . . . . But this is really getting to me and I am tired of all of it! We have came to realize we are in a very bad financial downfall with one income . . .a pay decrease . . . living expenses increasing . . . student loan payments going up . . . deferments ending . . . and medical and dental bills it has just all added up into one big hunk of a mess. I guess I am always a worrying wanda and a negative Nancy but my life has become public and I am not dealing with this well.
In December my husband and I realized that this whole debt mess is running and ruining our lives. And we made a committment that in January we would take control. We had tried other ways in the past such as a Debt Management Program and that really wasn't getting us any where with everything we had. We had decided we were going to surrender two payments back to the bank which were our truck and a travel trailer. It was a hard decision but we had to do something. We had not even thought of Bankruptcy we were just going to face the whole bad side of voluntary reposeessions. When we started looking into it we were getting scared of defiency balances . . . wage garnishments . . . frozen bank accounts. It was more of a big mess than what we had expected. Then we started researching bankruptcy. At the end of January we met with a BK Attorney and put down our payment to start our BK journey.
It has been a very rough road since Valentines day. I had explained before in an older post about that whole repo experience and surrendering our truck. It has become a very difficult time for us because for one we are in a small town and now we are the towns biggest talk and we have people asking on a daily basis . . we heard you got your truck repo'd. . . I just hate having people asking us such personal questions and one of these days I am going to explode and prolly say some pretty mean things to the questioners. How can people be so mean and have no heart. I guess I am a better person than most because in no bad day would I ever hear of some random persom getting their vehicle repod and then walk up to them and ask them. What kind of person does that? Well I have learned its actually allot of people. Not only that but now the place were we store our "repo'd" trailer has heard because they called us yesterday and told my husband they heard we no longer have the trailer and want to get our spot back. I just can't believe this stuff that should stay in the privacy of your home is out in the open and it is peoples daily gossip. It has been hard on me dealing with such ignorant people. Then right now I had a knock on my door and it was a guy from town who I know in a round about way he was married to my friends ex-wife . . . well you get the picture but he brought me a piece of mail and said sorry but I accidently opened your mail, oh so it was a credit card letter saying we were no longer in their DMP program so now our mail is going public. I just dont know how much more I can take. Every grocery store aisle I go down someone asks did you guys get rid of your truck . . . Oh I heard you guys dont have your truck or your trailer no more . . . the word on the street is your truck got repo'd . . . . AWWWWWW . . . . I seriously just want to scream. And no you nosey people our truck did not get repo'd we gave it back to the bank if you really want to know the truth!!! Watch out because now you have one p'd off momma!!!
My husband talked to the attorney yesterday they are preparing our petition and will have it completed by the deadline of the 18th . . . so the end is sorta near we still are unsure if we are into a 7 or a 13, but I am just ready for this to be over already!!
How do you deal with the ignorant people who are always in everyones business?
In December my husband and I realized that this whole debt mess is running and ruining our lives. And we made a committment that in January we would take control. We had tried other ways in the past such as a Debt Management Program and that really wasn't getting us any where with everything we had. We had decided we were going to surrender two payments back to the bank which were our truck and a travel trailer. It was a hard decision but we had to do something. We had not even thought of Bankruptcy we were just going to face the whole bad side of voluntary reposeessions. When we started looking into it we were getting scared of defiency balances . . . wage garnishments . . . frozen bank accounts. It was more of a big mess than what we had expected. Then we started researching bankruptcy. At the end of January we met with a BK Attorney and put down our payment to start our BK journey.
It has been a very rough road since Valentines day. I had explained before in an older post about that whole repo experience and surrendering our truck. It has become a very difficult time for us because for one we are in a small town and now we are the towns biggest talk and we have people asking on a daily basis . . we heard you got your truck repo'd. . . I just hate having people asking us such personal questions and one of these days I am going to explode and prolly say some pretty mean things to the questioners. How can people be so mean and have no heart. I guess I am a better person than most because in no bad day would I ever hear of some random persom getting their vehicle repod and then walk up to them and ask them. What kind of person does that? Well I have learned its actually allot of people. Not only that but now the place were we store our "repo'd" trailer has heard because they called us yesterday and told my husband they heard we no longer have the trailer and want to get our spot back. I just can't believe this stuff that should stay in the privacy of your home is out in the open and it is peoples daily gossip. It has been hard on me dealing with such ignorant people. Then right now I had a knock on my door and it was a guy from town who I know in a round about way he was married to my friends ex-wife . . . well you get the picture but he brought me a piece of mail and said sorry but I accidently opened your mail, oh so it was a credit card letter saying we were no longer in their DMP program so now our mail is going public. I just dont know how much more I can take. Every grocery store aisle I go down someone asks did you guys get rid of your truck . . . Oh I heard you guys dont have your truck or your trailer no more . . . the word on the street is your truck got repo'd . . . . AWWWWWW . . . . I seriously just want to scream. And no you nosey people our truck did not get repo'd we gave it back to the bank if you really want to know the truth!!! Watch out because now you have one p'd off momma!!!
My husband talked to the attorney yesterday they are preparing our petition and will have it completed by the deadline of the 18th . . . so the end is sorta near we still are unsure if we are into a 7 or a 13, but I am just ready for this to be over already!!
How do you deal with the ignorant people who are always in everyones business?
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