Encouragement

[okiebk09]

Hey Cat!! The last year has been full of downs and ups. But mostly ups after we got discharged. I hope these people realize life can be awesome after filing. Life becomes about making good choices about finances. While we are all still learning it is much easier to say "hey I don't need that". Anyway just thought since nearly a year had gone by I would give an update and hopefully everyone on here can be encouraged to know that life gets better and we do learn from mistakes.

[AngelinaCat]

Thank you so much for the words of encouragement.

We have a growing number of new members that are in so much pain as they are agonizing over what to do. I am sure that you have helped brighten everyone's day. Thanks again!!

[okiebk09]

For those of you still in the process or just beginning the process of bk...I wanted to give a little encouragement to you.

We are almost one year out from filing(23 days shy of it) and doing great. We made it through the process and came out ahead in life. We did have to call for discharge but that was simple. We were able to secure a small and I mean small in comparison to what we had, auto loan through our credit union 3 months after discharge. We even got the loan at 7%. While this is not for all it was the best choice for our situation. So that should be some encouragement to those of you worried about that. We also chose to reaffirm our mortgage with Chase. However, the papers were not filed before the discharge so the mortgage ended up in a ride through. No big deal. You just mail your payments to a specific address. One month ago we were able to gain access online again to pay the mortgage online. So again you will be able to gain access to accounts later. We also obtained a credit card from HSBC for a limit of $300. This also was a need as I do not want to reserve hotels with my debit card. Again, to those of you out there that think you can't do this you can. Life does get better and I hope you all have some encouragement. You can go read my previous posts about my story and how panicked I was as well. Needless to say I cannot believe it has been nearly a year since filing. So all of you in the process have some peace in knowing that life does return to "normal".