Any success stories? Our car is gone...

[ndbigler]

This morning, just before 9am, they took our car. They guys were really really nice, which I was very grateful for. It's been hard enough as it is. After they left, I cried. I think it was because I finally realized what I'm going thru, what I'm doing to myself and my family. I have only a 2 year old girl, and I'm pregnant with a boy. I'm only 22. I feel so let down by myself. Does anyone have any success stories they can share? I'm feeling very down about the whole situation, thinking that the future is looking pretty bleak...

[edwards2]

YOu said we...do you have a husband or support from family or friends? You are awfully young to be dealing with such problems and with a small child and another on the way. Are you filing BK? Why dont you give us some details about what is going on and we will try and help you. You couldnt ask for a better support team than this forum. Rest assured no one will judge you. We have all either heard it, done it or know someone who has. We are here for you.

[ndbigler]

Yes, I'm married. I've posted a few times before. We've filed a chapter 7, and had our 341 on 7/5. We went bankrupt due to credit cards and medical. I think our total amount we went bankrupt on is about $16K on medical and credit cards, and $15K on the car we just surrendured. We've thought about bankrupcty for a year, but we just couldn't do it. We had tried a debt consolidation, but felt like it wasn't helping. I guess we were thinking that maybe since we're so young, by the time we're in our mid 30s, our credit should be better. We've definitly learned the hard way, and have most certainly learned a lesson. But what a hard one at that. When we were filling out all the paperwork, we found that our expenses were about 300 over our income. And that's just our normal monthly expenses. No credit cards on there or car payments. So, imagine then, what we were going thru before. Trying to pay credt cards and other bills. We both know now what we have to do to fix our credit and how to spend the money. We have plans for trying to buy a new car later next year. I'm just really disappointed in myself, for allowing myself to not think like an adult when I had the CC. And I feel awful for our kids, coming into this world like this. I hope things will get better so that they won't feel so poor. But I'm not talking about living extravagently. Just comfortable, so that they're happy. And me.

[butterflyness]

U know what, im 23, and recently had my 341 meeting June 6. Im expecting my letter soon. I think in the next 2 wks. Trust me i know exactly what your going through. While i have no kids, i still know. U feel like total shit. I literaly felt that scum on a toilet was better than i was. I was very harsh on myself. U start to think can it get any worst? The only thing i was worried about after my meeting, is someone objecting to it. I expect that, cuz things like that would only happen to me. So far nothing, and im overly grateful for that. Im having the support of my boyfriend. I hated crying on his shoulder. He knew how hard it was for me, getting phone call after phone call. I just paid a sears bill some money, and they would call 2 days later. 2 days later. Knowing i already made pymt arrangements they would still call. I simply didnt have the money. I finally got my lawyer, filled out the paperwork, went to my meeting, which was like 2min tops, and walked out the door. I tell u, it was such a huge weight lifted off my shoulder. In a weird sense, i felt protected. But trust me, it will get better. It may take a while to get to that "better" point, but u will. I too didnt think this could happen to me. im 23. Not supposed to. But hey "shit happens". At least now we know to not make the same mistake twice. We can only learn from our mistake.

[ndbigler]

U feel like total shit. I literaly felt that scum on a toilet was better than i was. I was very harsh on myself. U start to think can it get any worst? ... But hey "shit happens". At least now we know to not make the same mistake twice. We can only learn from our mistake.

Very true. I know exactly what you're talking about. As far as the phone calls go. I think anyone who's had to go thru BK knows what its like. For some reason, I'm afriad things arn't going to go thru the way they're supposed to. I'm afriad we'll get denied, or some problems will come up. I can't imagine what those problems would be, but still. After our 341, we added some bills to the BK. I guess I'm afraid, that THOSE bills will prevent us from being discharged. But that would be dumb right? Because they're MORE bills. MORE money we'd have to fork out. So why am I freaking out? Who knows? Thats the way I work. UGH

[hhou812hh]

I went through all this too when I was 25 about 15 years ago. Same story as yours. I filed a ch7 and since I had a company car back then I let them repo my car. The bank tried to talk me out of it and negotiate and I told them I just couldn't afford it even without my cc bills. The repo man called me about 90 days after I hadn't made payments and picked up the car late one night. I felt like I hit rock bottom. I never forgot those days, promised I would never do it again and here I am. My problems today are very different. I'm actually doing fine, but just can't afford my monthly payments anymore, so I just need a ch13 debt adjustment to help me get back to sanity.

In one way your problems now will make you much wiser in 10 years from now since you are so young. You will never forget these days and in some ways that may be a good thing. I have mentioned several times on other threads that some of the new laws and regulations will hopefully prevent us and our children from ever getting into serious cc debt.

Good luck to you!!!