I am glad to see that you are learning how to move past BK. I know this has been a long road for me, but there is still life after BK, and we all must remember that!

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Finally, after all these months my BK petition is being filed. I will be happy to see the end of my financial ruin and the beginning of the rest of my life.

I made a very difficult decision this year. I am done fighting with the CC companies over their shady practices and I am going to file Chap 7. I am in the plannig stages now and not yet late on any debts but getting ready for the firestorm that will erupt once I start missing payments. The first will...