Losing sleep and anxious over lawsuits/bills

[wnguyen]

Before filing, my attorney called me and said "Ok, I'm clicking the button." Torture! I was at work so I had to go, but he called me back about 30 minutes later (longest 30 minutes of my life) with my case number. Reality set in when I got the case number. Nope, not signing up for PACER. I must resist, I must resist. . . .

My lawyer didn't even call me and gave me my case number so I had to wait for the whole week. I later couldn't resist to see what's in PACER for my case so I signed up. Try to keep in under $10 and you won't be billed for the quarter.

[clk355]

Thanks everyone for your replies. I do not take offense at the lighter ones, either. As I said, I'm not suicidal or anything, just a little anxious.

By the way, I spoke with a creditor yesterday, was able to work something out, so that made me feel a little better. Still am going to have to file Ch. 13 eventually.

[tobee43]

i'm glad...it will all work out...i'm certain..

[strummerfan]

Exactly to all of the above, the most irresponsible thing I have done with my BK is to not have done it sooner. We depleted our assets for nothing and I still refused to file with my back against the wall I had to wait until I was pushed through the wall and the entire building, I was going to use my VA disability compensation to pay off debt to a bunch of crooks that I spent my life defending, one crook drew the final straw and I took the offensive, now they get nothing.

[bulletproof77]

Ahh Chapter 13....Where you still have to pay the idiots back...Creditors are NOT your friends..Don't sign anything and object to their terms and just see how they will turn on you..They are just willing to get along with you now because they DON'T want you filing Chapter 7...

[tobee43]

Ahh Chapter 13....Where you still have to pay the idiots back...Creditors are NOT your friends..Don't sign anything and object to their terms and just see how they will turn on you..They are just willing to get along with you now because they DON'T want you filing Chapter 7...

SOOOOOOOOOO true!! but bulletproof...you left out the ATTY...who gets a NICE chunk of your money!!!!!...

i can't believe how many atty's we interviewed that insisted we go 13....i'm like are YOU NUTS or what...we have surrendered our house after 33 years...we surrendered our CAR.....we have nothing after 40 years of working...we r over 55 and of course the jobs are just coming to us right and left!! LOL!!! so of course we can spend the next 3-5 years being choaked to death by you and the trustee...right. oh...they just want you to go 13 really badly...i would NOT be surprised and none of us should forget that the BANKS and the atty's of this country were singlehandedly responsible for the change of the BK laws...NOT to say some did not abuse them....but these times are so different and those laws need to be readdressed ....immediately as far as i am concerned!

oh they said....they can take all YOUR umeloyment insurance money, and your ss money and your pension moneies....right????? wouldn't the atty's of LOVED that... thankfully we found wonderful HONEST atty that helped us through our mess.

sorry for venting....but i see these poor people get into the 13's only to find themselves 2-3 years with no job...or illness...and unable to meet their payments...

[2bdebtfree]

Today was the first time I met with an attorney.

I haven't had a good night's sleep since I can't remember when. I wake up a couple times each night in a panic about my money problems. Bankruptcy jumps in my head and I cannot go back to sleep. I've seen myself change into this person I don't even know. It has affected all aspects of my life.

Today when I left the attorney's office, after calling my husband, I drove home and thought maybe just might be able to sleep tonight. Because I have some answers and there is light at the end of the tunnel. I do feel somewhat better right now. I'm looking forward to going to sleep tonight. lol Hoping just maybe I'll wake up only once.

It is very overwhelming for me. I've worked hard all my life and I'm 40 something and I would never had thought I would be bankrupt. I have accepted it now and I hope to get my old self back. Only difference would be more financially responsible. lol

CLK - I hope things are getting better for you. You are not alone in how you feel. Good luck.

[seekingpeace]

2bdebtfree - I so relate! The meeting with the lawyer both scares me and makes me hopeful. So much rides on those few minutes of my life - a life I never imagined would be like this. Sleeping is a distant memory. Let us know how things go tonight!

[ccsjoe]

Today when I left the attorney's office, after calling my husband, I drove home and thought maybe just might be able to sleep tonight. Because I have some answers and there is light at the end of the tunnel. I do feel somewhat better right now. I'm looking forward to going to sleep tonight. lol Hoping just maybe I'll wake up only once.

You will sleep tonight. The weight is coming off your shoulders!!

[cantbreathe]

CLT355, Please hang in there. You are absolutely NOT alone. At first, I have to admit, I didn't find a lot of comfort in hearing that because now it was happening to ME. "I" was never going to be bankrupt! However, we were exactly where you are with one judgment already and obviously many more coming and no money for a lawyer. We woke up to reality, ashamed and broken we stopped paying everything except for our car payments and utilities. We soon had the money for an atty and just in time! I was facing a subpoena to court for the creditor to examine my finances and even though I am personally collection proof my husbands bank acct and new job were not protected. I was terrified as they had said that if I failed to appear they could issue a bench warrant for my arrest. The atty we hired was able to call them off just two days before that hearing!

Not knowing your details, many on here have filed ProSe (without a lawyer) and have successfully been discharged. There is all kinds of information and support to help someone through it.

In my opinion, you have certainly come to the right place for good general information and moral support. I couldn't have faced it without this forum to support me. I have spent many a night crying and not being able to sleep and pouring through these threads.

It has been a wake up call to what is really important to me and I have learned a great deal.

Best Wishes.

[empowered]

clt555, please try to engage an attorney again and get out of this torture that makes you wonder if there is anything to look forward to. I don't know your circumstances but if it is feasible, a Chapter 7 will bring all this trouble to a close much sooner than a Chapter 13.

Hang in there. Try to divert funds to get a new attorney who will be a good advocate for you.

[2bdebtfree]

Hi all,

I did sleep better I think. I woke up once and was able to fall back asleep. Yeaah. But I did wake up too early and tried to go back to sleep. Really didn't happen. Maybe is was exhaustion that I was able to sleep or a little relief. I don't know. But It will definately get better. That's what I keep telling myself.

[tobee43]

2bdebtfree...i think we all went through this...it is overwheming but there really is a rainbow at the end of the storm...please note...no LIGHT at the end of the tunnel...NOR POT Of GOLD...for certain..

but i'll go for the rainbow. we went thru the guilt, the shame stage as well...oh, and let's NOT forget greif....many do not understand this is somewhat like a death..of course NOT of a loved on, but of our "past" lives....and we need to now move on.

the effects it has on us varies...and it's very real...some could care less....others have a nervous breakdown...(i was somewhere in between the first year).

you will make it...promise!!

[ccsjoe]

Hi all,

I did sleep better I think. I woke up once and was able to fall back asleep. Yeaah. But I did wake up too early and tried to go back to sleep. Really didn't happen. Maybe is was exhaustion that I was able to sleep or a little relief. I don't know. But It will definately get better. That's what I keep telling myself.

tobee is right, we all go through this. I woke up at 4 this morning and couldn't go back to sleep. Not because of concern or worry, just because...lots of feelnigs and reconciliations to deal with in my head...the voices are talking again....LOL

[tobee43]

tobee is right, we all go through this. I woke up at 4 this morning and couldn't go back to sleep. Not because of concern or worry, just because...lots of feelnigs and reconciliations to deal with in my head...the voices are talking again....LOL

tom...we have to get you through these next 90 days.....DRUGS could be good...LOL!!!!!

one of the GREAT things about being a bit older is when you ask for drugs to help you sleep they give them to you.....shoot...we were just disussing it last night when my spouse said...holly cow....what you take to go to sleep would make a that holly cow sleep for a week!!!

actually, i had to...all the financial stuffs was on me...and we filed right before "TAX" time...so i had to deal with that also...i was lucky i wasn't committed...or maybe that would have been nicer! LOL!!