New here

[Flgranny]

I am considering BK. I am 72 retired and am running out of savings. I am deep in unsecured debt given I had to retire given an unexpected illness. I am not behind on anything yet but will be in months. I’m depressed and scared

[shipo]

Welcome to the forum @Figranny, it sounds like a Chapter 7 is an option, time to talk with an attorney.

[Flgranny]

I have an appointment next week. Have read the schedules. Completely overwhelmed and more frightened than ever. I hope I get through this

[shipo]

Flgranny, lots of us here have been through either a Chapter 7 or a Chapter 13, some have been through both. Yeah, it is a daunting prospect to file for bankruptcy, but there is definitely light at the end of the tunnel.

[Flgranny]

I’m so glad I found this forum

[justbroke]

You are among friends here. Continue to ask any questions that you have. You may even vent here. Bankruptcy does seem overwhelming but the benefits are tremendous.

[Flgranny]

Can’t wait for the tremendous part

[justbroke]

Sometimes, just filing will make you feel 1000% better. I remember the day that I filed my petition with the bankruptcy court. I had a big smile on my face as I walked out the courthouse doors. Yeah, I only had $20 in my pocket and it would cost $32 to get a ride back home... but I felt great!

[Flgranny]

I’d settle for that 🥲