I have always paid my bills until January 2005 when I just couldn't pay that month because part of my income went down the tubes. Jobs are hard to come by in this small town, but I'm building a business from home and we should be fine again someday (soon I hope).
I could not believe that creditors could be so very rude even after having missed one lousy payment. It really makes me mad that here I have always paid my credit bills, and I go through a tough time and they can be so uncaring. I have been putting them before my family and now I'm wondering if I shouldn't have filed sooner, maybe things wouldn't have been so rough.
I have about $30k in credit card debt, am current on my home and have had one or two late payments on my car, but it is current. But not being able to pay my cc's even for a month has put me to where I'll never get caught up with everything, especially with the home heating bills being outrageous.
I was even thinking about filing on my car that I just bought last June that is costing me over $300 a month and just getting something more practical. Not that my car isn't practical, its a Ford Focus, but they are not cheap and the insurance is insane.
I do look at this as a fresh start, but I do feel as though I have failed and feeling a bit humiliated by all of it, especially the credit calls that my kids wonder why I avoid answering. I never thought that I would do it. My lawyer believes that it is every American's right to file and reassured me that this is my best option, rather than going 13 which would cost more overall.
I am not filing to run from my bills, but I have kids to feed and think it's my only option at this point. Anyone else feeling a bit humbled by their experience?
I could not believe that creditors could be so very rude even after having missed one lousy payment. It really makes me mad that here I have always paid my credit bills, and I go through a tough time and they can be so uncaring. I have been putting them before my family and now I'm wondering if I shouldn't have filed sooner, maybe things wouldn't have been so rough.
I have about $30k in credit card debt, am current on my home and have had one or two late payments on my car, but it is current. But not being able to pay my cc's even for a month has put me to where I'll never get caught up with everything, especially with the home heating bills being outrageous.
I was even thinking about filing on my car that I just bought last June that is costing me over $300 a month and just getting something more practical. Not that my car isn't practical, its a Ford Focus, but they are not cheap and the insurance is insane.
I do look at this as a fresh start, but I do feel as though I have failed and feeling a bit humiliated by all of it, especially the credit calls that my kids wonder why I avoid answering. I never thought that I would do it. My lawyer believes that it is every American's right to file and reassured me that this is my best option, rather than going 13 which would cost more overall.
I am not filing to run from my bills, but I have kids to feed and think it's my only option at this point. Anyone else feeling a bit humbled by their experience?
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