Reasons to simply not file BK?

[logansdad]

And a lack of inspiration too.

As StartingOver pointed out, it's like drawing a line in the sand. The old life vs. the new life.

I made the decision to draw that line and start fresh. So what if a bk is on my credit report? My credit has been screwed for years because I had such a high debt level.

Now, I can start over and look forward. Not over my shoulder. I'm inspired, I'm motivated, and I'm looking for a better life ahead.

Not a life where I sit on the couch and eat Cheetos......