Good morning/afternoon/evening wherever you may be!
My name is Jim, 39, in West "By God" Virginia (Go Mountaineers!)
Over the past two years, I've greatly struggled with a ton of unsecured debt, along with tax debt, and now student loan debt (bye bye moratorium)... had to close my business and took a job making similar money.
Anyway, when BK was first mentioned as an idea to me by a local credit counseling non-profit, I said "HAY-ELL NO!" and told them I'd figure it out myself. So, another year of trying Ramsey's "Snowball method"... I'd love to chuck a few hard ice snowballs at his smug mug. Ugh.
This past July, as I was perusing Reddit before I went to bed, I noticed the "r/bankruptcy" was a "Suggested" community.... I looked through it and discovered that Bankruptcy wasn't the "end of the world." So, I did some 'vestigatin' and was actually pleased with what I was reading... people's success stories, how they're able to sleep better at night, move on with my life, etc.
Also, I knew back in July that I would have some money coming down the pike from my dad. My dear grandma passed away around a year ago. Before she passed, my dad sold her house and that money went to a joint account they held... so no probate for that cash.
Long story short, I plan to file sometime in early March after I get my '22 taxes filed. I determined that I don't wish to drag this debt with me into my 40s. I'd still like to buy my own house someday (even if it's a condo), get married, and have a kid or two. (My nephews need someone to play with.)
I look forward to getting to know y'all, encouraging y'all, and cheering for y'all!
My name is Jim, 39, in West "By God" Virginia (Go Mountaineers!)
Over the past two years, I've greatly struggled with a ton of unsecured debt, along with tax debt, and now student loan debt (bye bye moratorium)... had to close my business and took a job making similar money.
Anyway, when BK was first mentioned as an idea to me by a local credit counseling non-profit, I said "HAY-ELL NO!" and told them I'd figure it out myself. So, another year of trying Ramsey's "Snowball method"... I'd love to chuck a few hard ice snowballs at his smug mug. Ugh.
This past July, as I was perusing Reddit before I went to bed, I noticed the "r/bankruptcy" was a "Suggested" community.... I looked through it and discovered that Bankruptcy wasn't the "end of the world." So, I did some 'vestigatin' and was actually pleased with what I was reading... people's success stories, how they're able to sleep better at night, move on with my life, etc.
Also, I knew back in July that I would have some money coming down the pike from my dad. My dear grandma passed away around a year ago. Before she passed, my dad sold her house and that money went to a joint account they held... so no probate for that cash.
Long story short, I plan to file sometime in early March after I get my '22 taxes filed. I determined that I don't wish to drag this debt with me into my 40s. I'd still like to buy my own house someday (even if it's a condo), get married, and have a kid or two. (My nephews need someone to play with.)
I look forward to getting to know y'all, encouraging y'all, and cheering for y'all!
Bankruptcy Wizard
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