Do Your Emotions Ever Just Get To You?

[ess]

I didn't cry, didn't even flinch. I've worked my whole life and so has my husband. We have plowed through layoffs more than once and one time both of us together at the same time. During that time my husband decided to have an appendix attack, of course we had no insurance we were both laid off the month before. We struggled through and with hospital grants we got the bill paid off. We have always maintained separate credit cards with the other as an authorized user. Because of that my husband did not have to file, I simply removed him as a user before I filed. Most of my bills were racked up taking care of my mother, I don't regret that for a minute. We never lived above our means, never bought a house because my biggest fear was not being able to pay for it should one of us lose our jobs. We don't drive luxury cars and keep them for years and I'm talking 20 yrs if possible, my husband keeps them in top shape. We've taken one vacation in the past 20 yrs, we both had ailing parents and couldn't get away. All of our bills were always paid on time and were paid on time right up to my deciding I'd had enough of this struggling. When my husband was diagnosed with cancer I still managed to keep things up to date. Interest rates went up to 30%, banks refused to work with me with lowering interest or payments. That was the final straw that broke the camels back, I'd had enough. Made an appointment to see an attorney, one I knew well through my job, and that was it. Had my 341 meeting last Tuesday and now I wait to be discharged. It's a pleasure not to sit down every month and list all of the creditors that had to be paid so I didn't miss a payment. Now all I do is list utilities, car payment and rent and I'm done. We have a nice nest egg in the bank under my husbands name from his mothers estate since it's technically his money. I refused to use any of it to pay my debt. My husband is now on the mend, I now looking for forward to retirement in a few years, being debt free and enjoying my 3 grandchildren. So my only emotion right now is one of pure elation. I couldn't be happier!

[Tater]

ess,

What an inspirational post! I'm glad to hear your husband is on the mend and you will be able to retire debt free in a few years!!! How great!! One thing I'm learning is that we are making the right business decision for our family. I just keep telling myself there will be a day soon that we will be out of this mess and we can move on with our lives. This process won't break us but will make us stronger.

[Mayo]

I grew up in a cash household and always had the view of BK being a personal failure. I avoided filing for three years as i dodged phone calls and put it out of my mind the best I could. I always knew it was there then one day my brother in law was driving past our house and saw a Sherrif's car. He stopled and the cop gave him some sworn papers for my wife. I think that was against the law but that was a long time ago. Anyways the court case finally made me face what I had been putting off and dreading. It took me time to realize that I wasn't a failure for filing but had just overspent myself into a hopeless situation. I got my discharge this past week after 5 years. Since I have been in that previous situation I plan on never going back. So don't cry it gets better.

[12000debt]

I cried buckets at my first consult.

I gotta admit I broke down as soon as I submitted my first post here.

It was a feeling of failure..........and subsequent relief.