Filing On Thursday

[sick of debt]

WE ARE FILING ON THURSDAYA DN FOR SOME REASON I AM NERVOUS. WE WERE SUPPOSE TO FILE WEEKS AGO, BUT ACCOUNTANT DIDN'T HAVE TAX RETURNS READY AND THEN MY ATTORNEY GOT SICK. I THINK I HAVE EVERYTHING TOGETHER. LAST TIME WE MET WITH HER, WE GAVE HER OUR CREDIT CARD STATMENTS ECT. I HAVE GATHERED UP ALL OF OUR NEWEST STATEMENTS AS WELL AS OUR NEW COLLECTION "FRIENDS". SHE ALSO ASKED US TO BRING OUR HUD STATEMENT FOR OUR HOUSE THAT WILL GO INTO FORECLOSURE, NADA ON OUR CAR THE WE WILL KEEP (IT IS PAID OFF) THE OTHER 2 ARE UPSIDE DOWN AND WE HAVE NOT BEEN PAYING (ACTUALLY WE ALREADY RETURNED THE BMW TO BMW FINANCIAL), ESTIMATE OF JEWLERY AT A PAWN SHOP, GOT AN APPRAISAL ON MY HUSBANDS TOOLS, PAY STUBS, PRE-BK CLASS, CREDIT REPORT. IS THERE ANYTHING I AM FORGETTING????? WHAT SHOULD I EXPECT???? I THINK I AM NERVOUS BECAUSE I FEEL REALLY BAD ABOUT THIS SITUATION. DON'T GET ME WRONG EVERYTHING HAS BEEN SO MUCH BETTER SINCE WE MOVED AND GOT OUR LIFE STRAIGHTENED OUT, BUT I DIDN'T MEAN FOR THIS TO HAPPEN. I GUESS BOTH PETER AND PAUL RAN OUT OF MONEY

[rrockinggramma]

sounds like you have it all together. Once filed, the relief will set in for you. GL

[sick of debt]

THANKS. I GUESS "IT IS WHAT IT IS" THERE IS NO TURNING BACK NOW. IT IS ALL ABOUT MOVING FORWARD AND LEARNING FROM OUR MISTAKES.