The End !!!!!!!

[newlife2007]

Gang -

WE ARE DONE


I just checked Pacer and :

Office: xxxxxxxxx Filed: 06/16/2008
County: xxxxxxx Terminated:
Fee: Paid Discharged: 09/24/2008
Origin: 0 Reopened:
Previous Term: Converted:
Disposition: Dismissed:
Joint: y Confirmation Hearing:
Pending Status: Awaiting Closing
Flags: DISCHARGED


Thanks To everyone Here ... We would have Never been able to get through this without you Guys !!!

Just waiting for : Cased Closed !!

[BROKENN]

YaaaaY! Congrats

[catdance23]

WooHoo!!!!! Congrats!!!

[WoodSprite]

#17 in the September Club!

Congratulations, Newlife, and welcome to the September Club! New life, indeed!

[newlife2007]

Thanks ... I know I am suppose to be overly excited ( Believe me it is a HUGE Load off our shoulders ) .... But I am actually a little scared for the future

[happy_ira]

Bravo. Enjoy your fresh start!

[WoodSprite]

Thanks ... I know I am suppose to be overly excited ( Believe me it is a HUGE Load off our shoulders ) .... But I am actually a little scared for the future

I have a feeling you're not the only one who feels that way, Newlife. This process is so big, and swallows up so much of your energy and focus that when that hamster finally dances for you...well, then what?

Although I am unendingly grateful to have qualified for chapter 7, frankly, I think many chapter 13 survivors are in a better position to move on after discharge, because they have all been forced to live within their means for so long that it's become a habit. I have such admiration for anyone who emerges on the other side of one of those plans.

But the rest of us - the "lucky ones" - if we want to be sure we never repeat this experience, we need to find the self-discipline that is forced on the 13ers by their extremely restrictive plans. Sure, it feels like forever until that discharge comes, but for many of us filing ch.7, it actually is a pretty quick process - short enough to allow us to stay in denial about what got us here, and focus on rebuilding credit at the expense of learning to live within our means. In many cases, a large chunk of that involves learning to be honest with spouses about the budget, or saying no to our kids as well as ourselves. Huge, painful changes for some. Scary stuff.

I'm not pointing fingers AT ALL, and obviously this certainly doesn't apply to everyone...we are here for all sorts of reasons, many of them completely beyond our control. But most of us have had the middle-of-the-night coulda, shoulda, wouldas. I'm trying hard to be grateful for the chance of a fresh start, trying to do better this time.

I'll bet you're not alone, Newlife. You're smart to feel a bit apprehensive, and you have the sense not to want to simply forget about all this and do it all over again. You don't HAVE to do anything heroic right now; give yourself some time to recover from the trauma you've been through. Just try not to let it paralyze you, but figure out how to learn from the experience and to benefit from this wonderful freedom.

Gosh, I didn't set out to deliver a sermonette...

[AngelinaCatHub]

CONGRATULATIONS on your new start!! Here you go

http://www.youtube.com/watch?v=_1_kgNp9oQg

[newlife2007]

I have a feeling you're not the only one who feels that way, Newlife. This process is so big, and swallows up so much of your energy and focus that when that hamster finally dances for you...well, then what?

Although I am unendingly grateful to have qualified for chapter 7, frankly, I think many chapter 13 survivors are in a better position to move on after discharge, because they have all been forced to live within their means for so long that it's become a habit. I have such admiration for anyone who emerges on the other side of one of those plans.

But the rest of us - the "lucky ones" - if we want to be sure we never repeat this experience, we need to find the self-discipline that is forced on the 13ers by their extremely restrictive plans. Sure, it feels like forever until that discharge comes, but for many of us filing ch.7, it actually is a pretty quick process - short enough to allow us to stay in denial about what got us here, and focus on rebuilding credit at the expense of learning to live within our means. In many cases, a large chunk of that involves learning to be honest with spouses about the budget, or saying no to our kids as well as ourselves. Huge, painful changes for some. Scary stuff.

I'm not pointing fingers AT ALL, and obviously this certainly doesn't apply to everyone...we are here for all sorts of reasons, many of them completely beyond our control. But most of us have had the middle-of-the-night coulda, shoulda, wouldas. I'm trying hard to be grateful for the chance of a fresh start, trying to do better this time.

I'll bet you're not alone, Newlife. You're smart to feel a bit apprehensive, and you have the sense not to want to simply forget about all this and do it all over again. You don't HAVE to do anything heroic right now; give yourself some time to recover from the trauma you've been through. Just try not to let it paralyze you, but figure out how to learn from the experience and to benefit from this wonderful freedom.

Gosh, I didn't set out to deliver a sermonette...

VERY, VERY WELL SAID !!

THANK YOU

[b_girl]

Congrats! Enjoy the fresh start.

[wtu]

Yea for you. I'm waiting with baited breath for my discharge, which should be in a couple of weeks.

[pa308]

Thanks ... I know I am suppose to be overly excited ( Believe me it is a HUGE Load off our shoulders ) .... But I am actually a little scared for the future

It's over and the future is yours. It's good to be scared, you'd have to be crazy not to be scared. (I know I'm scared) That fear can help you if you let it. Before you think of making any big purchase recall that fear. Do not lose that fear, do not forget that fear, it will make you stronger.

[AngelinaCat]

Actually I can sympathize. We were discharged 8/13/08, but we are an Asset case, so we get to make payments to the trustee until April 1--isn't it ironic that that is April Fools Day?

We won't see a new start until sometime AFTER that date. But, oh yeah, we have the IRS breathing down the back of our necks, and nary a word from our CPA in 2 weeks after several urgent emails.... We will be on their doorstep first thing tomorrow...

We probably still won't be debt free for several years yet.

[bkrelief22]

Well said Woodsprite!! Newlife, just realize all your feelings and emotions are normal and healthy! I also am telling myself now (we file Oct 22) that the best thing for me is paying CASH for things. I don't want to see or look at or use a credit card! Paying cash is POWERFUL! That is my mantra! In doing that we have to keep track of where it's all going. I know like many others, it was so easy to pull out the cc and use it. Not now. Now we tend to want to hang onto our cash. That's a good thing!

Best of luck to you! Celebrate the power you have taken back from the cc companies and use it for your health and benefit!!

bk22

[JRScott]

Congrats

Enjoy the fresh start