Thanks for your post d2. I appreciate your honesty. I am a big fan of BK when it is only caused by severe permanent medical disability so I may be the only one giving you advice to not file BK.
I suggest that you save BK if/until you really need it, like others that have medical disabilities. We currently have a thread about Dave Ramsey who is a radio talk show host who encourages people to work/save their way out of debt.
IMHO, I think you will find that with a few lifestyle changes you will be able to pay your debt off yourself. Your decision should also include those that are negatively impacted by BK.
Do unto others as you would have them do unto you.
I suggest that you save BK if/until you really need it, like others that have medical disabilities. We currently have a thread about Dave Ramsey who is a radio talk show host who encourages people to work/save their way out of debt.
IMHO, I think you will find that with a few lifestyle changes you will be able to pay your debt off yourself. Your decision should also include those that are negatively impacted by BK.
Do unto others as you would have them do unto you.
Originally posted by Didit2myself
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thru my own stupidity. 
Sorry for the novel.... please be kind. We know this is OUR faults. I have honestly always looked down on others who I have known who have filed for bankruptcy but now I understand, it hit us before we knew what was happening.
On a side note, Im willing to give up all cars/trailer as long as i keep my home. I just dont want to lose my home.
Oh, and in regards to monthly bills... we have nothing out of the ordinary: We have basic cable/internet/phone, the only extras are $28/mos for home security and our cell phone bill which is $70/mos. All other monthly bills are water, electricity, gas... you get the point.
Sorry for the novel.... please be kind. We know this is OUR faults. I have honestly always looked down on others who I have known who have filed for bankruptcy but now I understand, it hit us before we knew what was happening.
On a side note, Im willing to give up all cars/trailer as long as i keep my home. I just dont want to lose my home.
Oh, and in regards to monthly bills... we have nothing out of the ordinary: We have basic cable/internet/phone, the only extras are $28/mos for home security and our cell phone bill which is $70/mos. All other monthly bills are water, electricity, gas... you get the point.
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