First off, this forum is amazing. It's comforting to know that I am not alone in my situation and I've learned so much from just reading various posts.
If Monopoly were a real game, I'd be a big time loser.
As of last week, I put an attorney on retainer, gave him all completed paperwork and completed my pre-bankruptcy counseling.
I should have the attorney paid off next week and be filed by the end of the month if not sooner. I had my initial consultation in January but stalled, mainly because of my ego and fear of the actually biting the bullet.
I hope that eventually, the knot in my stomach will go away. I'm really sick of worrying each and every night. I'm really sick of working long, dreadful hours only to barely be able to do anything with my life.
Like so many people, my financial situation took a drastic downward spiral about a year ago. I was laid off for four months and found another job in September, I took a 40K pay cut and found myself drowning in debt.
Just last week, I decided, after reading this blog to not re-affirm my car. I love my car but the loan does not make sense to me financially, given the opportunity to be rid of the debt, I'm going to jump on it.
I also have back tax debt that I will continue to love and cherish after the bankruptcy discharge. (Insert Sarcasm).
It's good to know this forum is here, if only to read rather than post.
Hopefully the guilt and shame of all this will eventually subside and I'll be able to enjoy my new found financial freedom, in spite of a low credit score.
If Monopoly were a real game, I'd be a big time loser.
As of last week, I put an attorney on retainer, gave him all completed paperwork and completed my pre-bankruptcy counseling.
I should have the attorney paid off next week and be filed by the end of the month if not sooner. I had my initial consultation in January but stalled, mainly because of my ego and fear of the actually biting the bullet.
I hope that eventually, the knot in my stomach will go away. I'm really sick of worrying each and every night. I'm really sick of working long, dreadful hours only to barely be able to do anything with my life.
Like so many people, my financial situation took a drastic downward spiral about a year ago. I was laid off for four months and found another job in September, I took a 40K pay cut and found myself drowning in debt.
Just last week, I decided, after reading this blog to not re-affirm my car. I love my car but the loan does not make sense to me financially, given the opportunity to be rid of the debt, I'm going to jump on it.
I also have back tax debt that I will continue to love and cherish after the bankruptcy discharge. (Insert Sarcasm).
It's good to know this forum is here, if only to read rather than post.
Hopefully the guilt and shame of all this will eventually subside and I'll be able to enjoy my new found financial freedom, in spite of a low credit score.
341 3/2/11 
Waiting for discharge........
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