Which was harder?

[vicmost]

I'm still looking for an attorney. It's hard to commit to an attorney that treats your case like it's no big deal when to me my families financial future is on the line. I know they do it all the time but I'm looking for that "personal" touch.

[killinstinct]

Making an appointment or two was no big deal for me, because it was like "I'm just weighing all options", still kind of in denial. When I actually forked out the retainer, it was like I had pulled the trigger. No going back now!!

[ForumReader]

Neither was really hard. It was more of a shock when the debt management company we went to suggested we see a BK attorney. After a day to absorb that, it was more of a "well, we have to do this" attitude.

I am so glad this debt management co suggested you see a BK attorney. Mine did not to that to me, completely the opposite. They made me believe BK was the most terrible thing to do. Not until I received a complaint from one of my creditors (BoA) when I made a turnaround decision to talk to a BK lawyer and he told me to get out of the debt settlement company right away. Anyway I guess there are some honest debt settlement companies out there, but probably just a few handful out of the hundreds of scum debt settlement companies.

[MastiffMom]

I knew I was in bad shape, but I just thought I could handle it. Went to see a BK atty and was seriously considering since she said it would work for me, but then learned about Debtor's Anonymous. None of the meetings are close to me so I read on their forums. Thought I could just do what they said and send like 5-10 dollars at a time and pay it all off over time. With the amount I owe, I will die before it's paid off. Haven't used a CC in almost a year, but retained my atty in JUNE. Hard part for me is filling in the multi-page form he sent home with me. I can't read it cause I start balling every time I look at it. When will the depression go away so i can get this done???

[killinstinct]

Mastiffmom:

Hang in there! Yes you will get better. Just keep putting one foot in front of the other, like a wise person once told me. One day you won't wake up crying, you'll feel better...and then life just looks up from there.....

[dexter]

The hardest part is admitting that you are in big trouble and that you need help.

[panasonic]

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[Flowers]

Neither was hard for me. I wanted this BK done quickly.
It took me too many months to realize that it was BK that needed to be done.
I do not even know how I came to the conclusion, the word "bankruptcy" was not even in my vocabulary. The months preceeding it were the hardest.

[Adventura]

Making the original appointment at the debt counseling outfit was the hardest. And boy, I got whiplash from the speed in which the counselor told me that I needed to file for BK. Geez lady, can't we at least TALk about this?

Seeing/retaining the attorney was a piece of cake, particualrly since she was very down to earth and really put me at ease.

[NHC]

First off, I’ll answer the question…I think the worst part has been the appointments with 5 attorneys…all of whom are more interested in the money they want up front (the cheapest was 15 hundred bucks) than the simple fact that I’m Bloody Broke (and a single parent with no child support for years) and it’s sink time…I’ve tried to hold myself up and am seriously at a last resort. One did refer me to another lawyer – who takes payments - but she has no available appointments until the middle of December. At least they all agreed that I need a Chapter 7...

Well, I may not have money but I do have time (and a few brains)….and figured that there has got to be a way to file pro se. You folks have helped immensely and I file this afternoon. I’ve checked and re-checked all my paperwork and to the best of my knowledge everything is in order. After the reading I’ve done on this board, I think my blood pressure has even come down a few notches

[Mi Bankruptcy]

I agree..meeting with more than one attorney was a pain.

[AngelinaCat]

NHC: In about 70 -80 days, you should be here where this member is:

http://www.bkforum.com/showthread.php?t=48259

Good luck to you, and I'm glad the blood pressure is better.

[nerves]

I would say setting up the appt and meeting with the attorney. To top it off, after I was in his office, I realized I had my shirt on inside out We met with him again a few days later and retained him (I made sure I had my shirt on the right way). So far, he has been very good with us and I don't think we could have chosen better representation. If he doesn't hear from us for a few days he calls and checks in. Calls are always returned within a day (unless he is out of town). The fee was very reasonable - $1125 and he didn't charge us anything extra for the business issues. Our 341 meeting is on Monday so we are playing the waiting game. I think the hardest part is to come for me personally. After it is all said and done, our local newspaper will print it and the issue will be how secure my job is. Right now I am the only income and insurance provider. I am praying to our good lord that DH gets this job he applied for. This will help with the stress. We can live on what I earn if he doesn't but the job security is really stressing me out. Sorry for all the extra drama added - but I must say it feels good to get it out.

[NHC]

NHC: In about 70 -80 days, you should be here where this member is:

http://www.bkforum.com/showthread.php?t=48259

Good luck to you, and I'm glad the blood pressure is better.

Actually, I got it filed last week Thursday...and the most nerve wrecking part was the clerk doing the check off sheet to make sure all my paperwork was there...and it was....she said it was a very clean filing...and sent me across the hall to the clerk who actually does the filing. I have my "341" on Dec. 18th....so I just sit and wait now. I do intend to keep up the loan on my car so I did call and talk to my account rep who was very nice and understanding.

[momisery]

Even considering a BK was mind blowing to me! I am gong to be 60 soon, and I would never have considered doing this before. But when you have no choice you have no choice. It is either this or be called by creditors, have granishments and court dates and not be able to hope for a future at all. I would lose all assets if I do not fight back is my concern and they would leave me with debt. Knowing Wall Street got bailed out and how much they are making while so many are unemployed, and knowing that they were never worth it ... that is what made it "okay" in my mind finally. But I still feel bad about the whole thing.