Originally posted by Drazil65
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Most everyone here is where you are or has been where you are, don't sweat your story. We have all made mistakes based mostly on self justification that things will turn around and we can get out on our own. Admitting it and being honest withself yourself is by far one of the scariest things and one of the most freeing things you will do during this journey. Get it in your head right now that this whole process is a business decision for your family, no different than the big businesses when they deicde that they cannot exist in their present financial situation. Your family is your main concern and doing what is best for them as a whole. Start taking back control by 1) telling wife 2) start reading everything on this forum that you can 3) do a search on "google voice" and then set it up for your creditor calls (its awesome and will save your sanity) and its free 4) go to at least 3 or 4 free consults with attorney's and "interview" them very carefully, having a good attorney that you are comfortable with is vital 5) stop paying any and all credit cards that will be discharged in the chapter 7 filing and start saving that money to pay your attorney and for living expenses (rent, food, cars, utilities etc). This will give you a sense of taking control and getting your ducks in a row, you will feel much better and be well on your way to changing your life. Good Luck with everything and keep us updated!
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