The mental torment

[inpain66]

Hi Inpain..I and eveyone else here understands your anxiety..Its gotten better for me, but sometimes when I lay in bed I feel a twinge of falling off the cliff feeling. You have to stop paying those cards period..I know the month I stopped I was freaking out..first time ever not paying on my cards and it is scarey, I wont lie to you..But after you make that decision there is no turning back and you come to the realization that this is gonna be my life for awhile and you will learn to deal with it. The phone calls are at first terrifying. I never talk to them I dont answer my phone. Even at my salon I have the ringer off. I never thought I'd beable to handel all this and so far Im still alive and sleeping very well most of the time..Unfortunately I'm eatting too much too...lol
I havent filed yet, will in Feb..so Im sure I'll go thru a new level of anxiety like eveyone else and will come out the other side like everyone else and guess what? You will too...
Chin up sweetie this too shall pass. I hope this BF of yours is worth it....if not move out and into something smaller like a studio.....maybe he needs to sell it or rent it and move too...your not married to this guy right???
Anyway...take care and keep reading and posting..its terrific therapy

My bad financial decisions are not his fault. Also it is only fair I pay half the bills since I live here. I do not think money is a good reason to end a relationship. We are not married but he has stuck by me in my bad choices. He cannot help with money but he is supportive.

One reason I am thinking of chapter 7 is so that we go into marriage fresh and not with all this debt!