My Chapter 7 is filed!

[dub]

I knew several years ago I was probably headed to filing Bankruptcy.With a drop in self employed income and getting custody and raising 2 grandkids, it became reality much sooner than I anticipated.
Stopped paying and using CC s 'bout this time last year. Retained and paid lawyer last spring. Spent all year and up to this morning, not answering a single phone call...letting the answering machine pick up, or as I have been doing the last several months, just hitting the ringer "off" button when I see who it is.
I kept all records/collection letters,documentation, and all the info I would need to meet with the attorney, on a daily basis. Was in no hurry to file for no particular reason....knowing I could quickly get with the attorney.
Almost 10 months of not paying, I was sued over a BB&T credit card, a few months ago, so that got the ball rolling to get filed!
Checked PACER yesterday....attorney got me filed around 4:30. Looking forward to the 341 and getting this behind us.

[free2breathe]

Congrats on that first step to a fresh start. No more phone calls you have to be afraid to answer

[dub]

Thanks! .....except for one call early this morning,its really been quiet around here today.

[oregonpilot]

Ahhh the sounds of silence is a great sound. Good luck dub

[Floridagail]

It only gets better now. What a relief I felt. Good luck.

[dub]

Thanks y'all!

[frogger]

Congratulations! Nothing better than a silent phone and a fresh start.

[dub]

Thanks!

[nervous1]

I filed yesterday also...but, for some reason, I can't relax. My lawyer's office has assured me that my case is "easy," and they expect it to sail through....however...I've had a raging headache since yesterday.

[dub]

nervous1, like many others have found, this forum has been a tremendous help in understanding what to expect. My lawyer also told me he didn't expect any problems.
Good luck with you case!

[mommi2many]

Enjoy your silence! I know I did.

[dub]

Checked PACER again today.......looks like my 341 is scheduled!

Notice of 341(a) Meeting of Creditors. 341(a) meeting to be held on 01/14/2011 at 09:00 AM at 4-XXXXXXXX XXXXXX Courthse Last day to oppose discharge or dischargeability is 03/15/2011.

[BKlooker]

Congrats dub and nervous! Yea I was a wreck, and i mean a literal wreck, for the 2 weeks leading up to and through filing...anxiety meds and cigs was all that kept me from crumpling in a ball or nervousness most days.

I've been feeling a lot better lately since then, although i have to get some amendments done to my paperwork which has me a little stressed at the moment. But not having to pay your CCs, etc. and enjoying the 'force field' the stay provides you with is a nice feeling, especially over the holidays...no more annoying phone calls and physical mailings about my debts!

This is the first Christmas I have had since I have been out on my own where I won't be going further in the hole once it's all over! Can't beat that feeling!

[dub]

BKlooker

[oregonpilot]

Congrats dub and nervous! Yea I was a wreck, and i mean a literal wreck, for the 2 weeks leading up to and through filing...anxiety meds and cigs was all that kept me from crumpling in a ball or nervousness most days.

I've been feeling a lot better lately since then, although i have to get some amendments done to my paperwork which has me a little stressed at the moment. But not having to pay your CCs, etc. and enjoying the 'force field' the stay provides you with is a nice feeling, especially over the holidays...no more annoying phone calls and physical mailings about my debts!

This is the first Christmas I have had since I have been out on my own where I won't be going further in the hole once it's all over! Can't beat that feeling!

WOW thats right!!!!!!
i'm almost 60 and i don't remember "EVER, EVER" having a Christmas and NOT putting stuff on a credit card.