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Geesh why does everything seem to come up during stressful times?!!

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    Geesh why does everything seem to come up during stressful times?!!

    These next few days are going to be so stressful for me with my 341 meeting in three days.Now my boss is yelling at me about something that was her responsiblity to make sure it got done and my sister and I had a big fight this morning.Great.Just what I need right now.More problems on top of the fact that I need to be right on top of things come Tuesday morning when I face the Trustee about my BK petition (I filed pro-se) which I left a couple of things out and did not discover it until it was too late.
    I know I have to keep my focus and pray I don't get my BK case dismissed.
    It's gonna be a tuff week but I'm sure I'll do OK no matter what happens.
    No question here:just had to get this off my chest.
    Donna
    Donna

    Filed Pro Se August 10,2006 :cry: 341 Meeting: September 19,2006 :blink: Last Day to Object: November 20,2006 :cool: Discharged: November 27,2006 :clapping: CLOSED: December 15,2006 :tongue:

    #2
    Originally posted by 9877donna View Post
    These next few days are going to be so stressful for me with my 341 meeting in three days.Now my boss is yelling at me about something that was her responsiblity to make sure it got done and my sister and I had a big fight this morning.Great.Just what I need right now.More problems on top of the fact that I need to be right on top of things come Tuesday morning when I face the Trustee about my BK petition (I filed pro-se) which I left a couple of things out and did not discover it until it was too late.
    I know I have to keep my focus and pray I don't get my BK case dismissed.
    It's gonna be a tuff week but I'm sure I'll do OK no matter what happens.
    No question here:just had to get this off my chest.
    Donna
    Take a deep breath, and realize that you will look back on this next year and laugh your tail end off.

    This too shall pass!
    BUSY running my own credit repair services! Sorry I don't stop in so often any more!

    Comment


      #3
      Originally posted by tinroofrusted View Post
      Take a deep breath, and realize that you will look back on this next year and laugh your tail end off.

      This too shall pass!
      Gee I sure hope so...I know it sounds like I'm feeling sorry for myself but right now I feel like I deserve a little self-pity.
      Thanks for your response.
      Donna
      Donna

      Filed Pro Se August 10,2006 :cry: 341 Meeting: September 19,2006 :blink: Last Day to Object: November 20,2006 :cool: Discharged: November 27,2006 :clapping: CLOSED: December 15,2006 :tongue:

      Comment


        #4
        It seems like "events" come in cycles, Donna.

        One bad thing after another. And it comes in waves. You get a breather and then it starts again.

        Every now and then, something nice happens, but it seems small compared to the tornado you're living in.

        We did all our Consults and such back in the Spring. Got our attny hired and lived in a hold pattern for months. We needed to move to get away from a bad Landlord so our attny wanted us to get that done and get settled prior to filing. Otherwise, we'd be in an active BK when our lease expired and probably couldn't move.

        I thought I'd gone thru all the emotions associated with filing BK. That when the time came to actually sign the petition and file, it would be like any other business decision you make. I'd just do it an move on.

        WRONG!!

        I got nauseated on the drive to the attny's office. My stomach was in knots and rolling. It was, of course, raining lightly. The minute we walked in the door of the attny's office, the heavens opened up and poured buckets the whole time we were there.

        While we waited for the paralegal, Hubby casually looked at some magazines and a book. I just sat and stared. Finally, we got to review the petition and sign the papers. I couldn't even sign my own signature the way I normally do. Something about the way I was sitting at that table, the angle the papers were handed to me. The signatures don't even look like mine.

        The day after we filed, I had a phone call from a NEW collections company. I calmly gave the guy our case number and Chapter filed. But he was rude during the whole 2-3 minute call. And when I was done giving him info, which I had to repeat a couple of times for him, he just hung up on me. No "Thank You", "Have a nice day" or anything. Just hung up.

        Today, 2 more collections letters came in the mail from new collectors. They were supposed to still be in the office. I tried calling. Their office had already closed. I know from reading other people's experiences here, that this is just the beginning. Zombie Debt Collectors may turn up at any time on these old debts years after we've been discharged and closed.

        And, of course, we are no longer in control of our destiny. That's in the hands of people we don't even know. They don't know us. So hopefully, this all goes well. That we have the textbook filing, and we'll be done sometime around Christmas. That would be a nice present. To have this nightmare behind us, over and done with, before the Holidays.
        Filed Ch 7 - 09/06
        Discharged - 12/2006
        Officially Declared No Asset - 03/2007
        Closed - 04/2007

        I am not an attorney. My comments are based on personal experience and research. Always consult an attorney in your area to address concerns related to your particular situation.

        Another good thing about being poor is that when you are seventy your children will not have declared you legally insane in order to gain control of your estate. - Woody Allen...

        Comment


          #5
          Originally posted by 9877donna View Post
          Gee I sure hope so...I know it sounds like I'm feeling sorry for myself but right now I feel like I deserve a little self-pity.
          Thanks for your response.
          Donna
          Donna, you are right...every one of us deserves a "pity party" on the bad days, and it sure sounds like you are having a few bad days right now. You've tied your mental knot and are hanging on - good for you! - but it sure doesn't feel good. Time will pass and these latest stresses will too - just now when the stresses are fresh and raw, they feel overwhelming. When I'm in my own 'pity party' mode, I just keep thinking "this too shall pass"....luckily it always has. Try to find something positive to hang on to and ride the stress wave - eventually it peters out and you'll find yourself in quiet waters again.

          Good luck at your 341 this week - it will go quickly and the job and sister stresses will resolve themselves too. We're here to listen anytime, especially on 'pity party' days when we need to know we aren't alone.
          I am not a lawyer and this is not legal advice nor a statement of the law - only a lawyer can provide those.

          06/01/06 - Filed Ch 13
          06/28/06 - 341 Meeting
          07/18/06 - Confirmation Hearing - not confirmed, 3 objections
          10/05/06 - Hearing to resolve 2 trustee objections
          01/24/07 - Judge dismisses mortgage company objection
          09/27/07 - Confirmed at last!
          06/10/11 - Trustee confirms all payments made
          08/10/11 - DISCHARGED !

          10/02/11 - CASE CLOSED
          Countdown: 60 months paid, 0 months to go

          Comment


            #6
            Originally posted by SinkingFast View Post
            It seems like "events" come in cycles, Donna.

            One bad thing after another. And it comes in waves. You get a breather and then it starts again.

            Every now and then, something nice happens, but it seems small compared to the tornado you're living in.

            We did all our Consults and such back in the Spring. Got our attny hired and lived in a hold pattern for months. We needed to move to get away from a bad Landlord so our attny wanted us to get that done and get settled prior to filing. Otherwise, we'd be in an active BK when our lease expired and probably couldn't move.

            I thought I'd gone thru all the emotions associated with filing BK. That when the time came to actually sign the petition and file, it would be like any other business decision you make. I'd just do it an move on.

            WRONG!!

            I got nauseated on the drive to the attny's office. My stomach was in knots and rolling. It was, of course, raining lightly. The minute we walked in the door of the attny's office, the heavens opened up and poured buckets the whole time we were there.

            While we waited for the paralegal, Hubby casually looked at some magazines and a book. I just sat and stared. Finally, we got to review the petition and sign the papers. I couldn't even sign my own signature the way I normally do. Something about the way I was sitting at that table, the angle the papers were handed to me. The signatures don't even look like mine.

            The day after we filed, I had a phone call from a NEW collections company. I calmly gave the guy our case number and Chapter filed. But he was rude during the whole 2-3 minute call. And when I was done giving him info, which I had to repeat a couple of times for him, he just hung up on me. No "Thank You", "Have a nice day" or anything. Just hung up.

            Today, 2 more collections letters came in the mail from new collectors. They were supposed to still be in the office. I tried calling. Their office had already closed. I know from reading other people's experiences here, that this is just the beginning. Zombie Debt Collectors may turn up at any time on these old debts years after we've been discharged and closed.

            And, of course, we are no longer in control of our destiny. That's in the hands of people we don't even know. They don't know us. So hopefully, this all goes well. That we have the textbook filing, and we'll be done sometime around Christmas. That would be a nice present. To have this nightmare behind us, over and done with, before the Holidays.
            Amen to that.....
            Donna
            Donna

            Filed Pro Se August 10,2006 :cry: 341 Meeting: September 19,2006 :blink: Last Day to Object: November 20,2006 :cool: Discharged: November 27,2006 :clapping: CLOSED: December 15,2006 :tongue:

            Comment


              #7
              Originally posted by lrprn View Post
              Donna, you are right...every one of us deserves a "pity party" on the bad days, and it sure sounds like you are having a few bad days right now. You've tied your mental knot and are hanging on - good for you! - but it sure doesn't feel good. Time will pass and these latest stresses will too - just now when the stresses are fresh and raw, they feel overwhelming. When I'm in my own 'pity party' mode, I just keep thinking "this too shall pass"....luckily it always has. Try to find something positive to hang on to and ride the stress wave - eventually it peters out and you'll find yourself in quiet waters again.

              Good luck at your 341 this week - it will go quickly and the job and sister stresses will resolve themselves too. We're here to listen anytime, especially on 'pity party' days when we need to know we aren't alone.
              Thank you for your good wishes.I'll check in next week and let you know how my 341 meeting goes.
              It's nice to have a place to go and share my 'stress wave'.Hopefully I'll be giving an update on my situation followed by a great big 'yahoo' next week.
              Thanks to everyone for their responses.It helps to know I'm no alone.
              Donna
              Donna

              Filed Pro Se August 10,2006 :cry: 341 Meeting: September 19,2006 :blink: Last Day to Object: November 20,2006 :cool: Discharged: November 27,2006 :clapping: CLOSED: December 15,2006 :tongue:

              Comment

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