Hello all,
I am just starting the process of filing Chapter 7 (so I don't know a lot of the terms you guys use yet). But even just now, it's making me sick to have to do. It's not the filing that is bothering me so much. ALL of my creditors are paid on time. I never miss payments. BUT I also have to keep financing things (like tires for my car and a furnace recently) because the payments leave me with NO disposable income. Last night is when my husband and I made the final decision to file (We've already met with a lawyer). So now I know that I am no longer supposed to pay my lenders other than mortgage, car payments and that furnace (since it's new). The idea of missing those payments is causing me HUGE amounts of anxiety. The idea of missing those payments and still feeling now relief for a couple months while we pay the lawyer instead is also making me ill. This whole process is really. Can anyone make me feel better about this? I KNOW we will eventually feel the relief and I'm sure it will be worth it at that point, but in the meantime, there is none (and on top of all of that, my father is in another state dying of cancer - that is not helping). The last couple nights I've been up in the middle of the night just sick with it all.
I am just starting the process of filing Chapter 7 (so I don't know a lot of the terms you guys use yet). But even just now, it's making me sick to have to do. It's not the filing that is bothering me so much. ALL of my creditors are paid on time. I never miss payments. BUT I also have to keep financing things (like tires for my car and a furnace recently) because the payments leave me with NO disposable income. Last night is when my husband and I made the final decision to file (We've already met with a lawyer). So now I know that I am no longer supposed to pay my lenders other than mortgage, car payments and that furnace (since it's new). The idea of missing those payments is causing me HUGE amounts of anxiety. The idea of missing those payments and still feeling now relief for a couple months while we pay the lawyer instead is also making me ill. This whole process is really. Can anyone make me feel better about this? I KNOW we will eventually feel the relief and I'm sure it will be worth it at that point, but in the meantime, there is none (and on top of all of that, my father is in another state dying of cancer - that is not helping). The last couple nights I've been up in the middle of the night just sick with it all.
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