The closer I get to filing....

[NewPage]

....the more nervous I get.

We've been talking about this all year, actually since 2008, but this year it is reality.

My Dad owed us some money, and he is paying it back this month, which will cover my filing/attorney costs pretty much exactly. So I am looking at filing in December.

Talking about it, planning to, that's one thing. But now I know it will be happening, and yikes.

Pretty sure I'm not alone, but it's still nerve-wracking.

[Chowder]

Yeah. It's nerve wracking. As long as you're not trying to pull funny business, or have any blaring red flags, it's painless. When it's over you'll feel a little silly for being so worried about it.

A little free advice. Have your dad pay the Attorney directly, and give you any leftover in cash.

[oregonpilot]

Yeah. It's nerve wracking. As long as you're not trying to pull funny business, or have any blaring red flags, it's painless. When it's over you'll feel a little silly for being so worried about it.

A little free advice. Have your dad pay the Attorney directly, and give you any leftover in cash.

Thats a BIG ditto here!!

[janie]

BF/Newbie,
I sure know how you feel! I have been literally sick this past week over it. Guess that is where this forum can help us through the rough days & know there is a light at the end of the tunnel! Good luck to you!

[BKlooker]

I have been feeling the EXACT same way. I have turned all the paperwork into my lawyer for a paralegal to number crunch and I am to hear back in a couple days. I am TERRIFIED at the moment, being slightly over the medium income and surrendering a home, I am worried the means test won't work out right (or my schedules). Now of course when I do it myself online using the NOLO site, I come out fine, in the negative every time, but I am so worried I missed something...

With the packet my lawyer gave me to fill out, it's hard to tell what will and won't be counted on either the means test or the scheduled. They didn't seem overly concerned with my outside regular expenses, only my actual debts, so I know I didn’t list all my ongoing expenses on their packet. This makes me nervous, because other people have witnessed, there are soooo many expenses you only pay once or twice a year and forget about when calculating monthly expenses for your schedules.

So now it's a waiting game to see what the lawyer and paralegal kick the results back to me and schedule a follow up meeting. I finished paying the lawyer off yesterday, so I really need to get filed between now and the next paycheck for the best timing. I have anxiety disorder, so needless to say every night for the past several have been Xanax induced sleep only (really since I started rounding up paperwork). At this point, just getting the filing in and getting the 341 date and time would put my mind at ease, because I would like it's relatively downhill from there. I have nothing to hide, no assets, so it will help me take things down a notch.

Until then, I think sleepless nights and constant worry are here to stay for me....ugg! This is the first time in my life I have ever been late on paying a bill, including the mortgage and CCs, and I know they will start calling soon, and the calling makes me so much more anxious. It pains me to not pay on my debts, but I had no choice because if I didn’t stop paying, I wouldn’t be able to pay my lawyer this month. I was crying like a baby about it last night….so as others have said, you are not alone.

[oregonpilot]

It is a tough time. Sleep seemed to alude me for a long time. BUT there is a light down that tunnel.
CRYING.
boy do i know that one. My attorney never did see me Not crying. From first meeting right to the 341.
I remember thinking that I got myself into this...How did i think i had the right to cry.