Which part is the nightmare?

[mommi2many]

The nightmare for me was all of the endless phone calls to my house, cell phones, and relatives. Also, filing pro se was and is scary mostly because I don't like the unknown. I was so unsure of myself while filling out all that paperwork, but felt so accomplished once I filed it. This process has it's ups and downs, but I'm hanging in there because I see the light at the end of the tunnel.

Let me say this though, coming here everyday and asking questions and getting advice from a group of caring people who understand completely what I'm going through is amazing.

[tobee43]

The nightmare for me was all of the endless phone calls to my house, cell phones, and relatives. Also, filing pro se was and is scary mostly because I don't like the unknown. I was so unsure of myself while filling out all that paperwork, but felt so accomplished once I filed it. This process has it's ups and downs, but I'm hanging in there because I see the light at the end of the tunnel.

Let me say this though, coming here everyday and asking questions and getting advice from a group of caring people who understand completely what I'm going through is amazing.

amen to that mom...i really don't know how many of us would have made it....

[CoBelle]

Wow...there is a lot of pain but also a lot of hope on this thread. I am so sorry to those who lost their dreamhomes. I can only hope that there are better things down the road for all of us.

I was about to have my home sold in a not-at-penis-length transaction (ahem: 'friend' of ex) at a price that would have left me with nada. So I HAD to file before the sale date.
The worst was trying to find a lawyer who would do a 13, then finding and paying one and having her say she couldn't do it 2 days before the sale...I bout had a stroke over that. There was enormous relief in finding someone at the 12th hour and getting it filed the afternoon before the day of sale.

I was feeling pretty good in my 13 until last Wednesday when it was dismisssed for a sham of a reason. And having the Receivver show up at the door with a sheriff trying to evict me even though the house isn't in arrears...just ex again.
Filing the 7 on Monday was a bit of a relief, but this is unknown territory and I might be facing a loss of the stay....so I don't feel 'relieved' as yet. Back to looking for lawyers in all the wrong places.....

I guess the high point was at the 341 when ex's lawyer came off as a real jerk and when I gave ex the finger on the way out the door!!!!!!

[keepsmiling]

debee, thank you so much for your kind comment. It hasn't been an easy road, but there are many people here who are in much worse situations than I am. I am so grateful for what I do have (great family, my job, health) that focusing on what's gone seems pointless. And I love your signature line!

pikaroth, you may not want to tell creditors that you are planning to file BK before you actually file and have a case number. Others have posted here that doing that made some creditors file judgments right away instead of waiting and negotiating. Get Google Voice (free) and send all unknown calls directly to voicemail. If you have to talk to them, I'd just tell them you are having trouble keeping up for whatever reason, you intend to pay them as soon as you can, but can't do it right now. That should buy you a little time. When you do file, yes, just give them your attorney's phone number and the case number if they ask for it.

Can you please explain to me how to do that? It sounds like such a blessing, can't take the phone ringing anymore and there's never even anyone on the other end... I am trying to set up Google Voice but so far it only tells me how to send calls to my home phone... I'm not very tech savvy

[fatjay]

The nightmare for us was the realization that the worst case scenario would come true if we didn't take swift and decisive action. We found ourselves with a pregnancy scare without insurance because we couldn't afford it. Two months later we filed. I've always said, when the need to strike arises, do so with overwhelming and devastating force. That's what BK is to creditors.

+1 to that...I found that treating this situation like it was somebodies elses life makes it easier to deal with...I am trying to treat it like a business decission and not something that goes against everything I believe...this entire thing is a nightmare in my opinion....eventhough I will come out alive and better for it...I still dont like it

[researchnerd]

Can you please explain to me how to do that? It sounds like such a blessing, can't take the phone ringing anymore and there's never even anyone on the other end... I am trying to set up Google Voice but so far it only tells me how to send calls to my home phone... I'm not very tech savvy

Check out these threads:

http://www.bkforum.com/showthread.php?61383-Use-Google-voice-to-help-you-with-creditors

http://www.bkforum.com/showthread.php?63686-Best-solution-ever-to-collections-calls

There may be more, do a quick search on the forum

[dasherkin]

for me it was getting served non stop

[winterheart]

Check out these threads:

http://www.bkforum.com/showthread.php?61383-Use-Google-voice-to-help-you-with-creditors

http://www.bkforum.com/showthread.php?63686-Best-solution-ever-to-collections-calls

There may be more, do a quick search on the forum

Even better now you can port your number to google voice and truly just ignore everything. When we started this whole journey back in December a couple of months before we stopped paying we did just that and it was a Godsend. It pretty much filtered everything down to nothing. You can also setup groups for known numbers and rules to go with them. I can't recommend it enough to make the time before you file much more peaceful.

[nicole1969]

The idea that we will be free and clear and out of debt and that any money we make will go to our SAVINGS to build our future and not to creditors when this is over is VERY powerful and extremely uplifting for my husband and I. Knowing this has helped us get through everything fairly easily so far. I am not happy we got in this sitatution but once I found out about the bankruptcy option as a way to getting out of this mess, I was elated that there was something we could do to have a fresh start. I was super excited especially yesterday after we filed and have been on cloud 9 for 24 hours.

[Fallonedward]

this situation is certainly a ride on a roller coaster of emotions!! just to say the least.

for us the nightmare was NOT losing the home we lived in for 33 years...it was packing it up! of course we were downsizing from approx 4500 sq ft of house to homeless....so that did present a bit of a quandary...and i can pretty much say it was a nightmare!!!!

Tobee, every time I read this post of yours, it makes me stop and ponder that my life is pretty good. I now have a fresh start and once hubby gets employed we will have the ability to start our emergency fund again since it got depleted during our year of unemployment.