Just checked Pacer, my discharge was filed today! My case is awaiting closing. I filed on 10/7/10, 341 on 12/8/10, discharged 2/9/11. $176,000 in debt discharged.
I never wanted to file bankruptcy, i tried for years to get ahead of the debt curve, but just couldn't do it. I am self employed and my business is very cyclical. I would have good times and pay debt down, which would be follwed by bad times when I took on debt to make ends meet. it seems that I could never pay down enough to ever get ahead of the curve. Then when I hit a really bad patch business-wise, the CC's all decided to lower my credit limits AND increase my interest rates. I tried to work with them, but they refused. I offered to make token payments for six months if they would waive late charges and interest for that time period. They would counter with terms that were not feasible given my financial state. They all wanted access to my checking account, so that they could take the payment out that they deemed sufficient on the day of their choosing at the interest rate they set. I felt bad when the slide began, but their constant none-stop, multiple times a day phone calls, usually from some foreigner, who refused to vary from their script, finally convinced me that I needed to take the only obvious route available - bankruptcy. Now I get a laugh out of that radio commercial " I've got a deal for you! I'll give you $100 and you give me $1000!" because that is all a CC offer really is. I think back to all the times I thought " This is on sale for $Y. I don't have the money now, but I could put it on my card and only have a payment of $Y/50. Of course that payment was for 300 months. So I would end up paying back 6X what I actually borrowed to begin with. No more, never again. Cash is king and I intend to keep it that way.
I never wanted to file bankruptcy, i tried for years to get ahead of the debt curve, but just couldn't do it. I am self employed and my business is very cyclical. I would have good times and pay debt down, which would be follwed by bad times when I took on debt to make ends meet. it seems that I could never pay down enough to ever get ahead of the curve. Then when I hit a really bad patch business-wise, the CC's all decided to lower my credit limits AND increase my interest rates. I tried to work with them, but they refused. I offered to make token payments for six months if they would waive late charges and interest for that time period. They would counter with terms that were not feasible given my financial state. They all wanted access to my checking account, so that they could take the payment out that they deemed sufficient on the day of their choosing at the interest rate they set. I felt bad when the slide began, but their constant none-stop, multiple times a day phone calls, usually from some foreigner, who refused to vary from their script, finally convinced me that I needed to take the only obvious route available - bankruptcy. Now I get a laugh out of that radio commercial " I've got a deal for you! I'll give you $100 and you give me $1000!" because that is all a CC offer really is. I think back to all the times I thought " This is on sale for $Y. I don't have the money now, but I could put it on my card and only have a payment of $Y/50. Of course that payment was for 300 months. So I would end up paying back 6X what I actually borrowed to begin with. No more, never again. Cash is king and I intend to keep it that way.
and closed
On your new start to financial freedom!!! 
Here you go:
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