Rethinking timimg of BK-was going to do it this montbut need more time

[tobee43]

sounds like a plan!!!

[discouraged]

Thank you all. I still have to put it off for a month I think. The job I have is with the City and they hold back the 1st two weeks so I will not get a paycheck for 4 weeks (I think) and I currently only have 2000 and need 2100 and still have to pay for a bus card (20 a week), food and utilities (70 a month on budget plan) phone (19 a month because I'm unemployed) so still short. But, depending on when I get paid for this gig, I can then go ahead. It's only 12 an hour but will give me just enough to pay him, my bills and still eat.

[tobee43]

i believe you really should just get it done....

i know it's a difficult way to think...one day at a time. but times have changed...you will be so relieved to get it done and over...and get a "fresh" start.

it's hard to know what to do. but take it from someone who's been there and done that...i cannot tell you what a burden was lifted once we filed.

[df04527]

Couldn't have said it any better ^^^^

[HHM]

I say file. The psychological benefit alone is enough. People fail to consider or appreciate the huge psychological and spiritual benefit of BK. Once that stress is gone, once that financial burden is lifted, it allows for better focus. Things just start working out.

Bankruptcy is the START of your financial recovery, trust me, you will feel better once you get the process moving.

[discouraged]

My lawyer is not going to be happy as I have postponed this once before but here's my dilemna:
Unemployed since June 2009. Stopped paying creditors June 2010. Saw a lawyer in June.
I have searched and searched for a job but it is tough out there.
Finally started a temporary job 9/27. May last 2 months, may not (there are a LOT of politics going on there-wierd situation),
My lawyer wants 1800 plus the 299 filing fee. Every time I come close to getting it together, something comes up and I would be short.
Now there was an article in the paper about an unemployed nurse who ran out of unemployment and it made me stop and think. What happens if unemployment is not extended after Nov. 30 and I still have not found a job? I will need the money to survive while I keep looking. I could live for quite a while on the money I would be giving him.

I do not plan to reaffirm the house, have 74,000 with BofA, 24,000 2nd with Chase. Chase is threatening, BofA is just calling - 1 ltr saying I am in arrears. Credit cards are all under 2,000. Home remodeling loan (20,000) is threatening.

I am just scared that if I go ahead with the BK and do not find a job - I will be sunk. My brother has offered that I can move there (Illinois) if I cannot find one here and they will help me but I need money to move there if it comes to that.

Go ahead with the BK or wait it out? Everything is pretty much u0p in the air for now. Advice?