health is sinking fast

[crashzx]

Thanks yall...it is getting better day by day. Step one is almost complete so we should be filing in about a month or so. Man, I cant wait!!! I am good though!! The shock is over and I have turned my fear into a thirst for learning about what I am up against. knowledge is power right?? God bless you all and keep your chin up!!

[majorwest]

Welcome major. Yes, don't let them take your health. Trust me, the banks will be fine. And they don't give a damn about you.

Hi, and thanks!

Yep, the more I read the more I realize how brainwashed I'd become. Herd mentality serves the banks well. I guess they count on few straying from the fold...and finding greener pasture.

[BigJohn]

When I used to wake up, I would check the back of my shirt for tire prints and made note when I talked to people, if they talk back.

Now, I just check my big toe for a toe tag.

[killinstinct]

Amen. I should have filed BK years ago, after my divorce.

[Nick9075]

How in Gods name do some of you all deal with all of this. I am realizing that I will probably loose my only form of transportation. Maybe my tools to make any extra money. My whole life is on a spiral down the shitter! Surly they would not destroy a mans life this badly would they? I know I'm ranting but DAMN!!!!!! I just cant think of a good reason to not start drinking other then my family. I will have an ulser and high blood pressure in a few months.

How do you all make it really!!!!

Check to see all the 'life is great' posts from people who file BK and have a new car 6 months later and a new home 2 years later. Why pay your debt when you can get a low rate car loan for a new car 6 months after filing, many credit cards with limits over $5,000 2 years after filing and buy a home with nearly nothing down under the new FHA programs

Makes me wonder why I didn't file for bankruptcy years ago. Since I will likely be pushed into a chapter 13 anyway --- I am aggressively hoarding and holding cash.. They can't take it in a chapter 13 anyway.

[killinstinct]

Welcome major. Yes, don't let them take your health. Trust me, the banks will be fine. And they don't give a damn about you.

[majorwest]

How in Gods name do some of you all deal with all of this. I am realizing that I will probably loose my only form of transportation. Maybe my tools to make any extra money. My whole life is on a spiral down the shitter! Surly they would not destroy a mans life this badly would they? I know I'm ranting but DAMN!!!!!! I just cant think of a good reason to not start drinking other then my family. I will have an ulser and high blood pressure in a few months.

How do you all make it really!!!!

Hi, new member here.

Just read your post. Funny you should mention high blood pressure. After struggling the past 8 years to keep a nearly spotless credit rating, the stress of 'never any money afterwards' has taken its toll. Just recently learned I have stage 3 hypertension and so decided that enough is enough. I've started looking into BK, been snooping around the web for more info and found you guys. Yes, I racked up some debt. But I did everything I could to be a good little debtor and gave them my money. But I'll be damned if I let them take my health too!

So I'll be hanging around a little while and asking questions. Hope you don't mind.

major

[2manybills]

I hear ya...we are making it ok so far. I admit it was turning me into a nutballl whaen it all started. I have learned much since then and will continue to learn more as I go about this whole mess. Just when I think I have all the lawyer wants as far as documents and information I read and learn more that will be helpful as well. I will continue to gather and organize until the last minute. Once i feel pressure from a court then we will file. I think the first order of buissness is to get back control of our finances which is in the proccess. Doing the bank thing (acct change) this week, so that will be out of the way. Next is to get all the bills (mortgage , utilities) caught up. Then redo the budget to reorganize ourselfs and be able to live. The church and our faith is helping alot. I will keep you all posted.

The more in control of your budget you become, the more you will be relieved and see how out of control you were. I'll look forward to your posts!

[crashzx]

Keep us posted crash! You guys will iron this out and be much stronger for it. That's what you have to do, stand together!

I hear ya...we are making it ok so far. I admit it was turning me into a nutballl whaen it all started. I have learned much since then and will continue to learn more as I go about this whole mess. Just when I think I have all the lawyer wants as far as documents and information I read and learn more that will be helpful as well. I will continue to gather and organize until the last minute. Once i feel pressure from a court then we will file. I think the first order of buissness is to get back control of our finances which is in the proccess. Doing the bank thing (acct change) this week, so that will be out of the way. Next is to get all the bills (mortgage , utilities) caught up. Then redo the budget to reorganize ourselfs and be able to live. The church and our faith is helping alot. I will keep you all posted.

[2manybills]

Keep us posted crash! You guys will iron this out and be much stronger for it. That's what you have to do, stand together!

[killinstinct]

Sounds like you're on the right track. Hang in there and keep us posted.

[crashzx]

Good luck. Make sure you and the wife sit down and iron out a budget and game plan together. I think a lot of people get into trouble and have conflict here when it's not a team effort, and one person is in charge of the $$$. Kind of creates a child/parent relationship when you should be equals.

That was the problem a couple years ago for her. Now she realizes she cant do it alone. (obviously) Sorry that was uncalled for. We are talking about alot of things and I believe with Gods help we can get through this. There will no doute be some mojor changes in our lifestyle. From now on we will be doing the bills together from a new accnt in my name. She says she does not want an accnt but I am trying to talk her into opening another in her name for herself because the joint acct has to be closed asap. (waiting on those damn checks). We are getting better day by day. I am sure there will be speed bumps and setbacks along the way but I have tried to get as prepared as possible. This site has been such a blessing. Dont get me wrong I read alot of things I did not want to read but the truth is the truth and that is what I needed. I will keep updating every step.

[killinstinct]

Good luck. Make sure you and the wife sit down and iron out a budget and game plan together. I think a lot of people get into trouble and have conflict here when it's not a team effort, and one person is in charge of the $$$. Kind of creates a child/parent relationship when you should be equals.

[crashzx]

Not really....for some reason I am just calm and covering the bases one at a time today. I really could use the money from the bike now but it aint worth haveing to pay back later. Like I said earlier...we are getting a few good checks in this week anyway.

I am finaly ready for the attorney accept for my wifes payrol transcript and the paperwork from the dealer on the bike.

I feel great....my and everybodies prayers are working. I cant wait to go to church tommorrow and get into a small group!

[killinstinct]

Cool. You're way more prepared than you let on...