Just Breathe

[lynzy]

Wow... It's starting to feel so much more real now.

I'm calling our lawyer tomorrow to set up an appointment to turn in everything needed.

Thanks to my parents we now have the $1400 needed to file. I don't know how they did it, but they did. I am so thankful that words seem hollow and insincere.
We just, like 15 minutes ago, finished the credit counseling course. Tomorrow I'm going to one of our banks to get 6 months worth of statements and to close the account (nothing in there anyway), then to a few local places to get statements that we misplaced. After work my husband will go to Kinko's to print off all of our credit card statements.
Then there's just getting his 401k and pension (don't think he has one, but should check anyway).
And after all that? We're on our way to being debt free.

It's terrifying and liberating all at the same time.

[free2breathe]

Your thread title says it all, "Just Breathe". Whenever it starts to overwhelm you, take a step back and breathe. You have a lot of supporters here on this forum as well. So when you need to ask a question, vent, just get a word of encouragement, here we all are

[mommi2many]

You've got the right attitude and you're among friends now. I felt just like you when I was preparing to file and once you finally file it feels even better--such a relief.

[NewPage]

I just posted about this type of thing. You are a little closer than I am to filing (by 2-3 weeks) but the nerves are definitely getting worked up for me, as they are for you. So thanks for posting the reminder to just BREATHE!

[BKlooker]

Amen and same boat here lynzy. Submitted all my paperwork and finished paying to lawyer yesterday, just waiting to get the numbers back and the proceed to file ASAP (fngers crossed for next week, people!). Sleepless and worried, to say the least. Me being in the middle of my last semseter of Grad School (really, the last 2.5 weeks now) is NOT helping the stress level....

I haven't smoked since undergrad....started up again....

Question: Did anyone else go out and by a bottle of wine for filing day/discharge?? It's on my mind.....

[helpme2010]

BK reduced a huge amount of stress for me. Just the fact that it stopped all of the credit card companies and mortgage company from calling me and harassing me. Each company called 6 - 10 times a day (I had to create ringtones for them to eliminate most of the ring sounds - but they would change their numbers).

And the fact that you don't have to worry about 5 or more years of having insane payment plans to pay back the creditors when they keep on piling more and more penalties and interest to the debt.

It will be a huge relief for you and gives you a few months to calm down while the process goes through.

Now I just want it to end so I can move forward with my life (but at least it stalls a foreclosure and other things for awhile, so it's a mixed blessing)