Forum Rules (Everyone Must Read!!!) (updated: 04/28/2015)

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This is going to sound crazy but Im not sure what I should do.

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  • This is going to sound crazy but Im not sure what I should do.

    I applied for a lower paying easier job to decrease stress and to qualify for chapter 7 bk well instead they offered me a management position and its more money and more stress which would leave me in a chapter 13. I know it sounds crazy to ask this but what would you do. I am currently so stressed I took a 3 week leave and am seeing a counseler tomorrow but the stress is everything home and work. Should I suck it up and take the big high paying job or decline and tell them to give me the easier job and maybe management later. Anyhow it sucks that this all just creates stress I should be proud but im not really. Hence therapy. OK sorry but I need feedback cause I dont have to many people to talk to about this.
    Chapter 7 Filed 10/17/07
    341 mtg. 11/15/07
    Discharged 2/19/08
    Closed on 2/26/08

  • #2
    Your financial stressors are certainly at work here and the thought of being in a Chapter 13 appears to be frightening to you. The question will always remain, is a lower paying job worse than being in a Chapter 13? You can only come to that conclusion by looking at the numbers but I, personally, would always take the higher paying job over "trying" to avoid a Chapter 13.

    Now, as for the non-financial stressors, that could be serious enough to not consider the job. If a management job actually causes stress and that's an issue you can't deal with, then you will need to decide on that issue separately. I would not combing the financial stressors with the non-financial stressors because they are separate. However, I think the non-financial stressors are tougher to deal with.

    I would see my therapist and ask about the way you can deal with financial and non-financial stressors in your life. Bankruptcy, of course, is one way to deal with financial stressors. Bankruptcy, or even the thought of filing bankruptcy, can produce anxiety and further exacerbate any of the conditions of stress.

    You'll have to work though this and find the right balance.
    Chapter 7 (No Asset/Non-Consumer) Filed (Pro Se) 7/08 (converted from Chapter 13 - 2/10)
    Status: (Auto) Discharged and Closed! 5/10
    Visit My BKForum Blog: justbroke's Blog

    I am not an attorney. Any advice provided is not legal advice.


    • #3
      Being in a Chapter 13 seems to me to be similar to the mess we make with credit: We are making promises for a future *we cannot see*. I would think this is the reason why so many 13's fail.

      You said on one of my threads that you are a nurse. That is a high-stress profession, as-is. If the idea of being in management stresses you out even further (which seems to be the case) -- don't do it. Your ultimate goal at this point is to reduce stress so you can move on with your life in a better place, financially and emotionally. You'll have to continue to make choices with that goal in mind.

      We all have to make sacrifices in this situation. But only you can decide what sacrifices you are willing and able to make. Your sanity should not be one of them.


      • #4
        I think the skills of management would help me a lot but I don't really like that type of work nor want that type of responsibility. The one thing I like about my job is the patients and helping them. I am not a good manager of my own life I dont think I should manage a medical buliding. i dont like the idea of running staff meeting and doing projects. I like to clock in and clock out. Somehow in all the stress I feel gulity for not pushing myself but Im done with pursuing harder work. I want to focus on my health and my children. Thank you for your responses. The last couple of weeks have been rough and of course Im working through this stuff with a therapist. My current job is too stressful too that is why I am looking for another one.
        Chapter 7 Filed 10/17/07
        341 mtg. 11/15/07
        Discharged 2/19/08
        Closed on 2/26/08


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