T minus 2 days and counting

[eventsdj]

This is when we are officially default on the first of our credit cards. They are all due between Saturday and the first week in October. All eleven of them. Yikes. My phone is getting hot already

[TBLTZ]

You will be fine. Did you get an attorney yet? if you did you can give them the creditors numbers and they will stop calling you and call the attorney. Once you tell the first one it gets easy.

[2manybills]

I turned our ringers off! That helped a lot. They will start about 4 or 5 days after their due date.

[whipster1]

Actually the "default" begins on day 30 from the due date...that is when they can be reported as "late" on your credit report.

[justplaintired]

Wow I remember that feeling, it was so weird. You will be surprised how good it feels to have cash in your pocket for purchases, it's actually very rewarding.

[BBW]

Is it true that banks record all the numbers that you have ever called from and call them looking for you if you default?

[liz417]

I remember those days, I think my 1st creditor starting calling within a few days of the debt being late....

Just refer all calls to your attorney's office, you'll be fine.

[eventsdj]

Thanks everyone...
Yes, we have paid our atty. although we are not going to file until November. , so I will refer all calls to her, which she insisted we do, even if we didn't pay her until file day.

It is awfully awkward to think that I have $100 extra right now, and instead of going to the "bill box" to pay the debtwe'llnevergetoutof .... I mean credit card, I am going to take my girl to the store and get boots,snowcoat and snowpants for her and pay CASH! (and save the receipt of course!)

BTW, what do you all do with the credit card statements? My husband wants to start a "BURN PILE" for when this is all overwith someday.
Do I need to be saving all the paperwork I'm sure there going to start sending me?

He is totally fine with all this, and I'm the mess. I just can't let go of 15 years of fine money management (well, I guess not so fine as were filing BK) and just STOP paying. Granted, I have no money to pay, if I want to eat this month, and keep my home..

He keeps telling me, our credits already in the crapper, and they can't take your kids away for being in debt (can they???) so just to let it GO!

I need to take his (and the lawyers) advice!