There is hope for you all!!!

[tkharvey]

Haven't been on here in awhile as we have officially been discharged over a month ago from our chapter 7. I'm writing to give those of you who are just beginning this nightmare that there are better days ahead. After years of struggling with a large mortgage we could no longer afford, as well as a LOAD of consumer debt, we are now debt free and starting over and it feels great. A year ago, I was devastated at the thought of losing our home, now, we are two weeks away from officially "walking away" into a beautiful rental home for less than half of what our mortgage payment was. I never thought I would actually look forward to leaving a home that I once considered my "dream home", but I am. This house represents stress to me, and for those of you who are struggling to decide what to do with a home/mortgage that they can no longer afford, I wish you all the best. A home is where you make it. Even my kids are looking forward to the move, probably because they recognized the stress hubby and me were under being here. I am so thankful for our fresh start. I've learned so much over these past couple years; wisdom that I don't think can be truly gained without living it. So......please, for those out there hurting, emotionally, financially and whose marriages are hurting because of this whole process, please know that there is a light at the end of the tunnel! A bright one at that! God bless.....

[Jackdog]

Thanks for the encouragement. I'm happy to see the stress of that previous life is gone and you are moving forward. I wish my friend would listen to me. They are in marriage counseling and considering divorce all due to lack of money and debt. Anytime they fight I ask her what was the root of the argument, 9 times out of 10 is financial. One of the first things their marriage counselor asked was "Why haven't you filed bankruptcy yet?". She was shocked the marriage counselor even suggested it.

[tanmag]

Thank you very much for this encouraging post. I have been reading on this site for a few months now. This is my first post. This has all been so frustrating and it's hard to imagine life before or after this on some days. I'm really happy for you and your family. I can't wait to be there. It affects every aspect of your life.