Finally got it.....

[1bigmistake]

Well ladies and gentlemen I havent been on here in a while because my lawyer wanted $650 to get started on my Ch.7 and I didnt have it. I just the other day came up with all of the money I need to get started and now nervousness has set in. I have never been this scared to do anything. Im scared if I am making the correct descision or not, I scared if I do it that I did the wrong thing, Im just in the middle right now and dont know what the future will hold for me. I dont know my current credit score, last time I went to freecreditreport.com I printed out 2 of the 3 reports and I didnt see my score on any of them maybe I wasnt looking in the right area but I dont know what I am starting from or what I am going to, tihs is soooooo stressful and to be honest I dont know if I can take it! I just got my second serve fromt he same company, I dont know why the first one didnt go through, because they served me and I talked to them about making arrangements but then decided to do BK, so mayeb thats why they are serving me again. How long before I can start to get back on my feet??? I dont really need a CC but I want to began rebuilting a strong credit background as soon as possible but Im just scared right now, I guess I should go ahead and do this before they start the garnishment, but thanks for listening to me ramble, just needed to get it out i guess....

[SinkingFast]

Don't worry about not getting the Credit Scores. That was an additional fee option. I think it cost something like $5/credit score when we pulled our reports. Since it wasn't free, we didn't do it either.

If you're being served a 2nd time, chances are the Creditor hasn't even really filed in Court for you to be served.

Note the info posted by No_It_All in this thread starting with Post #12:

http://www.bankruptcyforum.com/showthread.php?t=9645

Don't be worried about being scared. We're all scared of things we haven't done before. It's scarey to think that someone else will be in control of your finances and your property during the BK process. But many other people have been thru this and survived.

For many people, of all their options available, BK was the best thing to do for them in the long run.

That's what you've got to figure out. And only you can decide that. Is BK the best option for you in your particular situation.

[1bigmistake]

Yea I guess it is, I have thought and thought and thought and I want to do better credit wise, I want to be able to buy a brand new car one day, but for now I barely make enought to pay my car note, and insurance I want to save I want all of those but most importantly I want to walk around with my head high knowing that I have improved my credit if I had to take a guess I would say my score right now is probably a 320-440. And if I needed credit to breathe I would die!!!! I want to start a family and be able to support them with a house and car and etc, but I know I cant do it now I just pray that I will in the future, Im calling the lawyer tomorrow I guess and start the process I got my fingers crossed and thanks for the uplift and the thread!!!

[Minnymouth]

Good Luck and keep us posted....

Starting out in life can be very hard, and very frustrating these days.....seems like EVERYTHING is against you as a young person or someone starting over financial after bankrtupcy.

Just remember with "good goals", "good intentions", a "good game plan" and "lots of desire", you can work towards all the things that you want to accomplish.

Some things just take more time than others, and you have to start somewhere in the process.

Sooooo, first clean up your financially affairs and get them on the right path.... if bankruptcy is the only way..... then so be it..... YOU WILL SURVIVE IT.... we are survivors, all of us here on the forum....

Set your goals and your priorities in life and work towards achieving them..... Some will come naturally, some will come slowly, and some you'll have to work your @@@ off to accomplish..... maybe even have to work parttime a little to help.... along the way.

You will in the future have the home, the family, the nice car, and the kind of life you want if you start now.....

Save a little for the future along the way. Save for a vacation, an emergency that might pop up, etc....

BUT YOU CAN DO IT - if you stay focused.

And the RESULTS - will be amazing and worthwhile.......

[1bigmistake]

Thanks to all for the uplift, I was pretty down thinking about it, but you are right I'll get through it, and onw day Ill be on here giving someone some advice, again thanks. I caled my lawyer today and then i remembered its a holiday so I left him a message for an appointment to start the Ch.7, so my fingers are crossed and here we go.....