Which was harder?

[AngelinaCat]

NHC: In about 70 -80 days, you should be here where this member is:

http://www.bkforum.com/showthread.php?t=48259

Good luck to you, and I'm glad the blood pressure is better.

[Mi Bankruptcy]

I agree..meeting with more than one attorney was a pain.

[NHC]

First off, I’ll answer the question…I think the worst part has been the appointments with 5 attorneys…all of whom are more interested in the money they want up front (the cheapest was 15 hundred bucks) than the simple fact that I’m Bloody Broke (and a single parent with no child support for years) and it’s sink time…I’ve tried to hold myself up and am seriously at a last resort. One did refer me to another lawyer – who takes payments - but she has no available appointments until the middle of December. At least they all agreed that I need a Chapter 7...

Well, I may not have money but I do have time (and a few brains)….and figured that there has got to be a way to file pro se. You folks have helped immensely and I file this afternoon. I’ve checked and re-checked all my paperwork and to the best of my knowledge everything is in order. After the reading I’ve done on this board, I think my blood pressure has even come down a few notches

[Adventura]

Making the original appointment at the debt counseling outfit was the hardest. And boy, I got whiplash from the speed in which the counselor told me that I needed to file for BK. Geez lady, can't we at least TALk about this?

Seeing/retaining the attorney was a piece of cake, particualrly since she was very down to earth and really put me at ease.

[Flowers]

Neither was hard for me. I wanted this BK done quickly.
It took me too many months to realize that it was BK that needed to be done.
I do not even know how I came to the conclusion, the word "bankruptcy" was not even in my vocabulary. The months preceeding it were the hardest.

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[dexter]

The hardest part is admitting that you are in big trouble and that you need help.

[killinstinct]

Mastiffmom:

Hang in there! Yes you will get better. Just keep putting one foot in front of the other, like a wise person once told me. One day you won't wake up crying, you'll feel better...and then life just looks up from there.....

[MastiffMom]

I knew I was in bad shape, but I just thought I could handle it. Went to see a BK atty and was seriously considering since she said it would work for me, but then learned about Debtor's Anonymous. None of the meetings are close to me so I read on their forums. Thought I could just do what they said and send like 5-10 dollars at a time and pay it all off over time. With the amount I owe, I will die before it's paid off. Haven't used a CC in almost a year, but retained my atty in JUNE. Hard part for me is filling in the multi-page form he sent home with me. I can't read it cause I start balling every time I look at it. When will the depression go away so i can get this done???

[ForumReader]

Neither was really hard. It was more of a shock when the debt management company we went to suggested we see a BK attorney. After a day to absorb that, it was more of a "well, we have to do this" attitude.

I am so glad this debt management co suggested you see a BK attorney. Mine did not to that to me, completely the opposite. They made me believe BK was the most terrible thing to do. Not until I received a complaint from one of my creditors (BoA) when I made a turnaround decision to talk to a BK lawyer and he told me to get out of the debt settlement company right away. Anyway I guess there are some honest debt settlement companies out there, but probably just a few handful out of the hundreds of scum debt settlement companies.

[killinstinct]

Making an appointment or two was no big deal for me, because it was like "I'm just weighing all options", still kind of in denial. When I actually forked out the retainer, it was like I had pulled the trigger. No going back now!!

[vicmost]

I'm still looking for an attorney. It's hard to commit to an attorney that treats your case like it's no big deal when to me my families financial future is on the line. I know they do it all the time but I'm looking for that "personal" touch.

[notadeadbeat]

Definately making an appointment was the most difficult thing.

Actually, the most difficult part for me was admiting that I could no longer make the payments and work myself out of debt.

DITTO for me too! This was/is such an emotionally draining ordeal. I threw up after I got off the phone when I made that first call to schedule an appointment. After I saw the lawyer I didn't sleep for days and was an emotional wreck. I guess the hardest part too is knowing/worrying people like friends and family will this I am a deadbeat. I have always had a terrific job, wonderful home, 842 credit score, but due to a big mistake marriage, then divorce and getting totally screwed in the process, this happened.....

[kenshirley]

Finding an attorney that we felt was both competent and within our price range.
We knew what we had to do, there was no question about it and no other option for us.
Why be embarrassed? It's in the law for a reason folks.

[Frshstart09]

Making the first appointment was the hardest. It's admitting defeat. It also requires that you take a long hard look and realize that you have mismanaged your money. Once the decision is made, all you want to do is fast forward so you can breathe again.