I have regrets about filing Ch7...

[Minnymouth]

Many of us have gone thru the "process" and filed BK and wished we had done it sooner...... We could have saved ourselves a lot of grief, stress, and mental anquish......
I put off 4 years filing, struggling, trying to make ends meet... Just wasn't happening. Working 2 jobs, etc.... End result: SICK, still had to file BK!!!
Should have done it 4 years ago.
Even though my BK was a very unusual (difficult) one and I ended up loosing my home and then having to buy my home back from strangers who bought it at auction, I'm still glad that I did finally make the decision to file.
For 18 months the BK process about did me in mentally, physically, and emotionally as well. Too many things happened that MY ATTORNEY said would not happen (negligence on his part).

But if I had it to do over again, YES I would file again, and fight till the bitter end, just like I did...

And now the outcome of my case still has an "up side" to it....

All the parties involved that created the major problems in my bankruptcy case can be sued for negligence!! Hopefully, I will re-coup ALL of my financial loss I had invested in my home PLUS COMPENSATION because of their neglect and errors.

So there is a "light at the end of the tunnel".... and SO MUCH RELIEF after filing bankruptcy....

Each individual has to make the decision whether to file or not.... Sometimes it works in your best interest, sometimes it doesn't (mine is a fine example), but all in all - I DID MAKE THE RIGHT DECISION.



So the future looks brighter, filing bankruptcy was "rough", but it gave me a "new beginning" for which I am thankful.

[jennga]

I had no plan at all to file bk. When my Dh dragged me into an attorney because I was getting all the threatening to sue letters and phone calls, (me, not him, his credit is sterling and he never carries a balance on any of his credit cards, course he knows me well enough to not let me near them!!0

I just thought the attny was going to tell us how to respond to all the stupid letters, (I now know nothing would have probably ever come from it by coming here). So I was about shocked and nearly fainted when he said I should file and that the debt was over my head.

Before seeing him, I had "agreed" to do the debt consolodation thing with one of the very well intentioned rip offs found on the net. It was all I knew to do. I took all of that stuff into the lawyer too and he just about blew at what the "debt consolidation experts" were going to have me do. I was going to have to pay them every month, but I was still the one who was going to have to call and cut a deal with every single creditor.

Once I got over the shock, shame, guilt etc, etc plus total disbelief about the bk process and mostly finding this site. In fact, all because of finding this site, I became relieved. And let me tell you now, absolutely no regret. SO glad to flush those f***ers,

Ohhhh, it makes me feel soooooo gooooooood to know I am done with those d*cks. (sorry but I just have to tell you how I really feel)

For me it was a good choice, hang in there. Hppe the process goes as well for you as it did for me.

[sunshine08]

Venting is such a cleansing process, isn't it?

[jennga]

Totally, I feel drained just from writing that post. In fact, I need a cigarette, and I don't even smoke! haha

[sunshine08]

Once I vent, I generally get over it and move on.

[BassBoy]

Venting is such a cleansing process, isn't it?

I vent almost every other day or so. You've got to get it out or it could get ugly one day.

[BassBoy]

I've got some things to vent, but I think we need a different thread for that.

[jennga]

Sunshine, I just had to tell you that I had a client today who brought her boyfriend in today and he is a guard at a prison. He talked about his job, he also transports prisoners etc.

When he was telling me about all that his job involved, guns, handcuffs, etc, I was thinking, hey I know someone else who carries a gun and handcuffs. Funny how knowing each other in this forum makes it feel like we really have a friend outside of here.

[jennga]

Go for it BassBoy. Let the vent thread begin!!!

[BassBoy]

Okay, I'llwork on getting it started..........

[sunshine08]

I know exactly what you mean.
One early am when lightening was creating chaos here, I wa typing with a vengence and woke up my husband. (I really don't think he quite believes I am on the internet talking bankruptcy) Anyway, he said who are you talking to at this time of the morning and I said lightening and read him some of the posts. He said, "Boy, he doesn't know it but he has really f*#@ed up now.", then he went to bed. I have another friend that will call, (I have dial up - told you I live in the boonies, and have callwave) and he's like what are you doing on the internet all the time. So I told him and he asks about it every now and then, he will egg it on too depending what the topic of the day is. In fact, last week we sat around an went thru "you know who's" posts. He enjoyed it almost as much as I do.
Speaking of guns, etc. Arrested another absconder today, that is 3 in a week. Hang out, wait around and say "Come to mama".

[bkfiler]

obsconder lol

ummm whos this boy you are talking to?

[Pinktiger]

If I had filed 7 years ago when things had gone sour for me, I wouldn't be in this predicament today. 7 years ago I dealt with severe financial problems; I lost my job and was forced to dig into my only savings, my 403 b, to pay off my car. Then it took me almost a year to find comparable work, but in the meantime I used my credit cards to the max. Then my daughter got married and I borrowed against my house to pay for it, and then my husband got sick and had to retire, and we lost his income. Suddenly I was the breadwinner. At this point I should have filed BK. Instead I borrowed more on the house to pay off cards and to pay off the car I had bought to replace the other one. Two years later I was back in more trouble, having maxed out my cards. I spiraled into debt, mostly by making bad decisions and also because the credit card companies made it easy. By the time I finally filed, I had $70,000 in unsecured debt and owed $90,000 on the house. I have cleared the decks of the $70,000, but I will be paying off the $90,000 for years to come.
If I had filed 7 years ago, I would be in much better shape.

[sunshine08]

BK- my friend is a fellow officer (his mom states I have adopted him). I was his first supervisor in law enforcement and have "throwed him against the wall" as he puts it. I was joking. He is my youngest son's age. I have a habit of adopting strays.

[bkfiler]

a mommy figure with handcuffs? im gonna faint!