[QUOTE=B12;112423] It is a business decision, plain and simple.QUOTE]
I agree 100% with you B-12. When I first filed, we felt like failures, (Until we filed, I never had been late on anything), but then after a while, I realized that it was and is a good business decision. Without filing, we never would been able to retire and god forbid, if something happened to one of us, it would take every dime of the insurance proceeds and I still would not have been out of debt.
Going forward, I now can take pride that I have made 28 payments to the trustee on time, my car payment which I paid outside of plan is paid ahead and the rest of my monthly bills, (utilities, rent, etc) are paid on time every month. Every year, we have also increased our 401K by 1% which I never would have been able to do had I not filed bankruptcy. Looking back to before I filed, I would say that I have accomplished alot!
I agree 100% with you B-12. When I first filed, we felt like failures, (Until we filed, I never had been late on anything), but then after a while, I realized that it was and is a good business decision. Without filing, we never would been able to retire and god forbid, if something happened to one of us, it would take every dime of the insurance proceeds and I still would not have been out of debt.
Going forward, I now can take pride that I have made 28 payments to the trustee on time, my car payment which I paid outside of plan is paid ahead and the rest of my monthly bills, (utilities, rent, etc) are paid on time every month. Every year, we have also increased our 401K by 1% which I never would have been able to do had I not filed bankruptcy. Looking back to before I filed, I would say that I have accomplished alot!
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