Here to nose around and see what I can find out about my options before things go from bad to waaaaay worse than bad.
Being here in this forum is bittersweet for me; mostly extremely bitter, though, I must admit…
I nearly declared BK in my 20s after college because I was swamped by all the debt I’d accrued, but I was ultimately able to pull through — even after NCO, an evil collections company associated with Amex back then, early deposited all my good faith ‘monthly’ checks they weaseled out of me …in a single day! Yup, my shaky finances were officially tanked (and, yeah, I was naïve!). But I worked my ass off and finally years on achieved an over 700 credit score (miraculous to me!) for awhile, plus no judgments and no BK. It felt like an impossibility from where I started.
Then came a traumatic car accident and TBI, and now everything’s gone off the rails again. So where does the sweet of the bittersweet return come in? I suppose it’s just a touch sweet: I didn’t realize until today that I’ve missed that old forums of yore look and feel! And the folks who frequent them! This place feels nostalgic and reminds me of creditboards and other sites I used to visit back in the day. Hopefully this charming aspect can offset some of the dread I am feeling.
TL;DR:
Hullo, all. Not happy to be back on a BK board, but glad to be among good folks with wisdom gained dedicated to helping one another. Thanks for making this great resource a reality still!
Being here in this forum is bittersweet for me; mostly extremely bitter, though, I must admit…
I nearly declared BK in my 20s after college because I was swamped by all the debt I’d accrued, but I was ultimately able to pull through — even after NCO, an evil collections company associated with Amex back then, early deposited all my good faith ‘monthly’ checks they weaseled out of me …in a single day! Yup, my shaky finances were officially tanked (and, yeah, I was naïve!). But I worked my ass off and finally years on achieved an over 700 credit score (miraculous to me!) for awhile, plus no judgments and no BK. It felt like an impossibility from where I started.
Then came a traumatic car accident and TBI, and now everything’s gone off the rails again. So where does the sweet of the bittersweet return come in? I suppose it’s just a touch sweet: I didn’t realize until today that I’ve missed that old forums of yore look and feel! And the folks who frequent them! This place feels nostalgic and reminds me of creditboards and other sites I used to visit back in the day. Hopefully this charming aspect can offset some of the dread I am feeling.
TL;DR:
Hullo, all. Not happy to be back on a BK board, but glad to be among good folks with wisdom gained dedicated to helping one another. Thanks for making this great resource a reality still!