Emotional toll of BK?

[basketsbears]

Thanks again everyone.

[Fargo]

I am feeling better as we retained our attorney in an official capacity today. It was funny this afternoon because my car finance company called me a little while after. This is the car we have decided to let go and haven't paid since January. It is in my name only and I am on unemployment. The manager called me and I could tell he was trying to intimidate me but I let him have his say. Then, he started the threats and I just said here is the name and number of my attorney. He just hung up on me after that. I didn't mention anything about bankruptcy and he didn't ask. It just enforces that we made the right decision. We tried for so long to work with them and they were just unwilling and always so rude. I don't need to be treated like crap from this creditor anymore. I'm tired of throwing money out the window to them and not getting anywhere.

[basketsbears]

I am feeling better as we retained our attorney in an official capacity today. It was funny this afternoon because my car finance company called me a little while after. This is the car we have decided to let go and haven't paid since January. It is in my name only and I am on unemployment. The manager called me and I could tell he was trying to intimidate me but I let him have his say. Then, he started the threats and I just said here is the name and number of my attorney. He just hung up on me after that. I didn't mention anything about bankruptcy and he didn't ask. It just enforces that we made the right decision. We tried for so long to work with them and they were just unwilling and always so rude. I don't need to be treated like crap from this creditor anymore. I'm tired of throwing money out the window to them and not getting anywhere.

Good for you! That's how we feel about BOA. They were so inefficient, my husband sent paperwork dozens of times, always got lost, we just wanted to reduce interest rate so we could afford to keep it & rent it. His rate was more than 9%, so now they are getting a home that is way underwater.

I will be glad to get started and get this over with. Have you gotten google voice? It helps a lot!

[Fargo]

Hi basketbears,

I am going to sign up for Google Voice tomorrow and update my other accounts before the calls start. I just stopped paying the unsecured debt late last week so it will give me time. I actually told my mom today of what our plans were and I thought she would chew me out. She just gave me a hug and said do what you need to do. She knows we've been struggling for so long. I just look forward to a fresh start. It was nice buying a few extra groceries this week, just some basic essentials but it felt so good.

[basketsbears]

Hi basketbears,

I am going to sign up for Google Voice tomorrow and update my other accounts before the calls start. I just stopped paying the unsecured debt late last week so it will give me time. I actually told my mom today of what our plans were and I thought she would chew me out. She just gave me a hug and said do what you need to do. She knows we've been struggling for so long. I just look forward to a fresh start. It was nice buying a few extra groceries this week, just some basic essentials but it felt so good.

(((hugs)))

[BankruptinNJ]

Bears!!!

(((HUGS)))

I felt just terrible (and guilty) getting my bk ready, but I must tell you that after I filed it was such a relief. I felt like such a failure before, but afterward I felt like I was MOVING FORWARD.

[Fargo]

(((hugs)))

Thanks :-) I know we are on the road to recovery. The one thing this process is teaching us is what is truly important in life. Like others have said, we are more than a credit score or bank account. It's just nice to know we aren't alone!

[keepsmiling]

Hang in there bears!
I just got a newsletter from a local physical therapist mentioning the extraordinary number of local folks out of work in our middle class suburb and lack of medical insurance. His point was you should get treatment anyway..... hmmm....I need new glasses for years already, hoping I can get them one day. Every single thing besides food, heat and housing are like luxuries.
We certainly are not alone.
And things are NOT better, at least in this neck of the woods.

[keepsmiling]

Oh and our car needed a pile of work that would have usually taken a few days. Our mechanic is so slow at work that we had the car back in a few hours. We were shocked.

[basketsbears]

Thanks all! I love all the support.

[spearmint]

I would think that BK would be better than the worry and anxiety experienced before doing it - in fact, it's horrendous.

[basketsbears]

I would think that BK would be better than the worry and anxiety experienced before doing it - in fact, it's horrendous.

That's what I am hoping for. Thank you.

[heywoman]

I'm right there with you all, so is my husband. I really don't want my family to find out. I feel like I need to be punished by a diet of bread and water. We see our first attorney tomorrow morning. I guess I don't know what to expect because other than the occasional late payment call, we've never gotten the dreaded calls.

[karm43]

The only one that knows in our family is my adult kids. SECRET I know what you mean. My latest shopping at the thrift store wow some good deals. My daughter said this is what it comes to, we use to shop at the mall. Hopefully they will learn from my mistakes and never be in this situation.

[pamkev]

As one just starting this process our emotions have been all over the place. We lived for years under stress trying to stay ahead of the game it just didn't work until I said to my hubby we must think of bankruptcy which was not easy as we are hard working people who always paid there bills we are so ashamed and hope no one finds out and our debating whether to tell our adult kids or not. We saw lawyers this past week and it's looking pretty good to be file a chapter 7 and my husband said you know this might be less stressful than worry how we were gonna make ends meet and he could be right