Unexpected positive consequences of filing BK?

[discombob1]

Wow, I missed the party while at work today! Valleyum and Tobee, I'm so sorry about your fibromyalgia. I truly believe the prolonged stress of debt, collection agencies, the shame...it takes a toll on your health!

Now, we will have our fresh start and be thankful for it. I believe that by being financially responsible I can give back now even more. Wow, am I grateful we do live in a country that allows a fresh start!

[oregonpilot]

I missed the party too. WHAAAAA.
It's soooo cool feeling like one of the girls. See instead of going out together we all gather around our pooters and type. I bet there is probably some cleaning to do BUT ahhhh this is much more fun.

[clevelandmom]

Discombob and Oregon - the good thing about this forum (and thread) is that you didn't really miss the party - it's ongoing! It never has to end!!! LOL Cheers. <glasses clinking>

[oregonpilot]

Discombob and Oregon - the good thing about this forum (and thread) is that you didn't really miss the party - it's ongoing! It never has to end!!! LOL Cheers. <glasses clinking>

I like that. This is such a great family.
My heart just aches when i read about the really tough stuff that some have to go thru.

[mommi2many]

Let me join in on the party. I want to have girl's time too. Filing bk was the best thing for me. I, too, was stressed all the time trying to stay afloat. Life sucked before. I wanted nothing more than to own my own home and it just seemed like it would never happen. I just couldn't see it. But, now that I have filed, I can see it. The joy has come back to me. The load is lifted and my spirit is light and airy reaching for the clouds. I love this feeling--so that is the positive I have received so far from filing bk.

[ValleYum]

Wow, I missed the party while at work today! Valleyum and Tobee, I'm so sorry about your fibromyalgia. I truly believe the prolonged stress of debt, collection agencies, the shame...it takes a toll on your health!

Now, we will have our fresh start and be thankful for it. I believe that by being financially responsible I can give back now even more. Wow, am I grateful we do live in a country that allows a fresh start!

Thank you discombob1!! I have had fibro since the mid 90's after a bad car accident. You are so right, stress definitely exacerbates it!!

The shame - oh the shame - I am southern born and southern bred. I was the first divorce in the family EVER - back to oh....1776. My parents still love me. As far as we can tell, I was the first BK too. My momma and daddy STILL love me!! Always the trailblazer, that's me!! I need to get my disability filing started but just can't right now - I think the stress would kill me.

I, too, am so grateful that our forefathers gave us this right - the ability for a fresh start. <3

@oregonpilot - NEVER too late for a party around here!! This is my nightly ritual now - a glass of wine and last perusal of the BKforum before bed. It keeps me sane. I laugh, I cry, I worry for myself and for others who are in the same place I am -excuse me, where WE are.

@cleveland mom - You are ever the cheerleader, my dear! You make me smile with your positive attitude. Were you a cheerleader?? <3

@mommi2many - There is always room for more folks here!! Kind of like how there is always room for jello. ALWAYS. (PS: I was once asked in a job interview how much jello could be placed into a 12x12 room filled to the ceiling height of 8 feet with bricks. The answer? It doesn't matter because there is always room for jello! hehe)

@tobee43 - watch your PMs. I will chat with you about Fibro there. <3

Nite Nite for now!!!!

~V~

[Fallonedward]

So true, I love this forum

Discombob and Oregon - the good thing about this forum (and thread) is that you didn't really miss the party - it's ongoing! It never has to end!!! LOL Cheers. <glasses clinking>

[Freddy03]

Love this little BK family

[oregonpilot]

From ValleYum
[@oregonpilot - NEVER too late for a party around here!! This is my nightly ritual now - a glass of wine and last perusal of the BKforum before bed. It keeps me sane. I laugh, I cry, I worry for myself and for others who are in the same place I am -excuse me, where WE are.
Nite Nite for now!!!!]



I sometimes get this giddy feeling after being on the forum. It's like "It's going to all be OK" . I sometimes feel guilty spending so much time here. I'm fessin up now... I keep another screen in the background (My MSN homepage) that i can pull up when hubby walks thru the room. That way he doesn't think this is the only place I go. hahahahaha
He sometimes asks me if my butt is numb yet from sitting here so long.

[tobee43]

it's really a GREAT group of people here...i have really met some of the BEST!!!

i'm still going for the grey goose and NO wine..yuck!!!

it's true once you are able to get your feelings down in "writing" and have these wondrous people help and support you...it's just a win win!!!!!

[clevelandmom]

Oh you guys are making me feel MUCH better now. I've been licking my wounds all day over that Cavs/Miami Heat game last night. OUCH! The chants were pretty funny though. . .
I just caught glimpse of another thread talking about something similar to this subject, about "positive results" for filing BK. This one was really funny: There are so many reports of identity theft out there right now. Well, after filing BK - LET THEM HAVE IT!!! LOL!! I'd really like to see someone try and get a credit card with MY identity!!! LOL I couldn't GIVE IT away. . .

[lillymarlene]

That's the first thing I noticed too. (have filed but am still before the 341) I didn't realize how stressed I was with all the constant phone calls. It was like being under some kind of seige. Then I am also happy about having the chance to live debt free (except for a mortgage) since I was 18 years old!

There is definitely a silver lining.

[Toby629]

We filed November 12, our 341 is first of January 2011. Just a huge change in how we look at our future now. We'll be moving, getting excited about that, and I have lost weight too! Just not as depressed and exercising more and just not doing the stress related eating as I was before. Had a doctor's appointment recently and he said I've lost 18 lb. since my last appointment. We have an empty nest now, so we are starting over and just happy we can! We are thankful for our family, good health, faith and new beginnings! We are living with an attitude of gratitude!

[researchnerd]

Thanks for this thread.

We first filed in late May and finally got discharged in November. It's been less than a month since then, and the reality of our discharge is still only just now sinking in. I haven't counted up totals yet because there are a couple of things still outstanding, but holy cow, we discharged something like $80k in debt just from from credit cards and my ridiculously underwater car. I expect that total to at least double after our foreclosure. That is some significant work we've accomplished!

I was saddened yesterday to hear that Elizabeth Edwards passed away. I read one of her quotes and it's been replaying over and over in my head, because it sooo applies to our situation and BK in general. Here it is:

"Resilience is accepting your new reality, even if it's less good than the one you had before. You can fight it, you can do nothing but scream about what you've lost, or you can accept that and try to put together something that's good."

Here's to all you resilient, wise women & men on this forum, without whom I would have lost my mind. We've been through a hell of a process, some of us are still going through it, but we will come out the other side. What we do with our fresh starts is completely up to us. Our lives may not be what we once had, and we can choose to complain about it and be sad...or we can learn from our experiences, appreciate what we have and rock it.

[DesdemonaB]

I love this thread, I too have had unexpected positive consequences after filing BK…

1. Lost 8 pounds – I am eating healthier, budget wiser and fell back in love with cooking again
2. Drinking less now
3. I found my smile again
4. Less bags under my eyes – I can sleep again
5. I can turn the ringer back on my phone – hell I can turn my phone back on
6. Discovered so many free activities in our community to keep the girls busy every Saturday morning/afternoon
7. Knowledge, empowerment, queen of Google searches
8. Trips to the dollar store produce the same smiles as a trip to ToysRUs
9. Realizing purchasing a house is within a reasonable reach - couple of years vs. renting for life
10. Peace of mind