New to BK

[Melissa626]

Hello,
starting the process and feeling isolated and ashamed. Here for support and also to support others. Thank you.

[shipo]

Welcome, the emotions are certainly understandable and, at least within this group, commonly felt. What's your story and which type of bankruptcy are you thinking to apply for?

[justbroke]

Welcome to BKForum. We're just one big family here. You can rely on us to help you through this process and we welcome any and all questions you may have.

[Melissa626]

Hi, thank you for welcoming me. I made a lot of bad choices while in active addiction. I got sober and enrolled with a law firm that negotiated with creditors. I felt I was making a lot of progress, but the monthly payments were outrageous and I was just getting by.

Then I started getting sued. My anxiety and depression were off the charts. In sobriety, I have humbled myself and decided I have to file BK 13. I am probably also getting divorced. I am so afraid and am hiding it from everyone I know.

sorry to be so negative, but I am glad to talk to people who are going through the process!

[codingirl79]

Please know you are not alone... I am in a chp 13 plan as well and it can be a blessing in disguise. It is not easy. It is not something to be ashamed of. It is a fresh start and will humble you to really think about what you need as opposed to want. I had a shopping addiction, divorce, death, etc. I understand what you are going through.

[Melissa626]

Same! My shopping was out of control during my addiction.. the whole experience is hard to accept at times. I appreciate the support !!

[sophieanne]

We’re all human and we all mistakes. I’m glad you’re taking a step forward to get your life back in order. Good luck as you start this journey.