For context the 84 months was due to a one-time COVID extension because during the stay at home demand, I couldn't go into my office physically and was one of many who lost their jobs during that time..
After dealing with that, a horrible separation and divorce from my now ex-husband, two floods in my home, struggling to hold onto my home after my ex husband completely cut me off from marital funds during the divorce (through unemployment for months before I got a new job), on the verge of foreclosure twice, keeping my son who was on the spectrum and diagnosed at 6 in college (he has since completed one degree and is on to his next one), the death of my mother in 2025 and just overall adulting and the world being on fire, I called my Trustee's office to confirm my last TFS payment was my LAST and got the "congratulations..you're done" message. I wanted to cry but I'm at work lol.
One of the last things I talked to my Mom about was being behind on my payments and how I was going to get out of the hole I made for myself. Because I was playing catch up on everything and the walls were closing in around me. No safety net. No second income. Doing gig work and Doordashing to avoid being in the negative in my bank account. She told me to do whatever I had to do to keep my house and to keep my bankruptcy in tact. She told me God would provide and that he did! I'm now just waiting for the discharge and official documents and I can say I kept my promise to my Mom. To myself. Through it all, I did it..
So for all who are still in the thick of it..I'm proof that there is light at the end of this restrictive tunnel. The sacrifices. The missed vacations. The scraping together every penny possible. The mental gymnastics of making your check stretch to squeeze out that payment to the Trustee. It'll be worth it. The lessons and blessings I've gotten from this experience will last me my lifetime. To try and do everything I can to avoid getting into the position again. My house is falling apart but it's still mine. My son still lives in his childhood home and now we can start to rebuild it to what it was now that I'm FREE!!
After dealing with that, a horrible separation and divorce from my now ex-husband, two floods in my home, struggling to hold onto my home after my ex husband completely cut me off from marital funds during the divorce (through unemployment for months before I got a new job), on the verge of foreclosure twice, keeping my son who was on the spectrum and diagnosed at 6 in college (he has since completed one degree and is on to his next one), the death of my mother in 2025 and just overall adulting and the world being on fire, I called my Trustee's office to confirm my last TFS payment was my LAST and got the "congratulations..you're done" message. I wanted to cry but I'm at work lol.
One of the last things I talked to my Mom about was being behind on my payments and how I was going to get out of the hole I made for myself. Because I was playing catch up on everything and the walls were closing in around me. No safety net. No second income. Doing gig work and Doordashing to avoid being in the negative in my bank account. She told me to do whatever I had to do to keep my house and to keep my bankruptcy in tact. She told me God would provide and that he did! I'm now just waiting for the discharge and official documents and I can say I kept my promise to my Mom. To myself. Through it all, I did it..
So for all who are still in the thick of it..I'm proof that there is light at the end of this restrictive tunnel. The sacrifices. The missed vacations. The scraping together every penny possible. The mental gymnastics of making your check stretch to squeeze out that payment to the Trustee. It'll be worth it. The lessons and blessings I've gotten from this experience will last me my lifetime. To try and do everything I can to avoid getting into the position again. My house is falling apart but it's still mine. My son still lives in his childhood home and now we can start to rebuild it to what it was now that I'm FREE!!
). Hopefully we can all weather this storm of uncertainty and come out minimally unscathed because inflation is kicking all of us while we're down.
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