Which part is the nightmare?

[tobee43]

The nightmare for us was the realization that the worst case scenario would come true if we didn't take swift and decisive action. We found ourselves with a pregnancy scare without insurance because we couldn't afford it. Two months later we filed. I've always said, when the need to strike arises, do so with overwhelming and devastating force. That's what BK is to creditors.

here here!! i'll toast to that!! we approached it HARD but SLOW...but hit with a force that left dust in the wind... sounds good!

[ccsjoe]

The nightmare for us was the realization that the worst case scenario would come true if we didn't take swift and decisive action. We found ourselves with a pregnancy scare without insurance because we couldn't afford it. Two months later we filed. I've always said, when the need to strike arises, do so with overwhelming and devastating force. That's what BK is to creditors.

[artgood]

I think the days before we retained an attorney, and this stretch between the filing and the 341 are the worst.

[tobee43]

You have brought up a difficult question. I think it is different for everybody. There is one common denominator, whatever is bugging a person the most builds up to trigger enough pain for the realization to break through the ego. Once the realization that you have gone too far on your own and need relief, then it breaks into acceptance it is likened to having a real painful tooth pulled. It hurts long enough to become intolerable then pop, the pain is gone.

Then there comes the stress of the action. Yes bk is no fun for sure, but the journey is not pleasant either. It is not as bad as the build up before "that tooth is pulled". Each step of the bk becomes an arrival. A goal and accomplishment, until the graduation day when Professor PACER gives you your discharge diploma, and a chorus of hamsters sing on your behalf, 'You are free, You are free.'

The next step in putting your "new start" into practice and working on it daily. Never falling back into bad habits that brought upon that "tooth ache" before. It is an ongoing life style change. It can be made into fun if you let it. 'Hub

easier said that done...we still feel like someone is breathing down our necks daily. we were just so use to the stress and pressure it's hard to let go...

we are trying!

[AngelinaCatHub]

You have brought up a difficult question. I think it is different for everybody. There is one common denominator, whatever is bugging a person the most builds up to trigger enough pain for the realization to break through the ego. Once the realization that you have gone too far on your own and need relief, then it breaks into acceptance it is likened to having a real painful tooth pulled. It hurts long enough to become intolerable then pop, the pain is gone.

Then there comes the stress of the action. Yes bk is no fun for sure, but the journey is not pleasant either. It is not as bad as the build up before "that tooth is pulled". Each step of the bk becomes an arrival. A goal and accomplishment, until the graduation day when Professor PACER gives you your discharge diploma, and a chorus of hamsters sing on your behalf, 'You are free, You are free.'

The next step in putting your "new start" into practice and working on it daily. Never falling back into bad habits that brought upon that "tooth ache" before. It is an ongoing life style change. It can be made into fun if you let it. 'Hub

[brokejoker]

The incessant phone calls that caused me to unplug our home phone and mute my cell whenever I left the house for when the creditors called. Having my elderly neighbor standing on my porch crying and telling me that we would lose our kids and go to jail if we didn't pay our bills. (Collector called her house, YES I filed a FCC complaint!) Having the sheriff's officer's car pull up twice in a week to serve us with a summons and realizing that no matter how much longer we tried to work it out, we were toast! Those were the nightmare.

Everything from meeting the attorney on has been great. Sweet relief! The 30 day extension on our time for objections kind of sucks but I figure there are no grounds for anyone to object so we just have to be patient for a little while longer.

[tobee43]

My greatest fear is thinking of doing these forms by myself.

ahhhhhhh platter we have some of the BEST pro se'ers there ever was on this forum......i'm certain they will be right here for you!

[platter]

My greatest fear is thinking of doing these forms by myself.

[tobee43]

this situation is certainly a ride on a roller coaster of emotions!! just to say the least.

for us the nightmare was NOT losing the home we lived in for 33 years...it was packing it up! of course we were downsizing from approx 4500 sq ft of house to homeless....so that did present a bit of a quandary...and i can pretty much say it was a nightmare!!!!

[got2btru]

Just curious - which part is the nightmare:

The part when you can't pay and creditors are calling you?

The filing?

The date between your 341 and the discharge?

For us, the nightmare has been paying on a vacant 2nd home that wouldn't sell for the last 2 years (we could send both our kids to college with the amount we paid over 2 years)

Since we filed, life has been better since we aren't paying on that. (we didn't have any other debts) Just need to know whether we should be waiting for the other shoe to drop. The filing wasn't too difficult since we've always paid our taxes and have good records.