So, I went and saw a bankruptcy attorney today.

[SeattleGirl]

I'm sick and tired of being hounded by creditors who act as if I am sitting on a million bucks, and refuse to turn any money over to them. (Yeah, I know, that's what they do...)

Anyway, they need a bit for info from me to determine if I can file Chapter 7 or Chapter 13, but since I paid them something, I can now tell the creditors to stop bothering me and to contact my attorney if they have questions.

I feel as if a 10-ton load has been lifted from me.

[MissHoneychurch]

1. Good for you

that you have someone helping you with all that

:hug:

[SeattleGirl]

3. Hey, MissHoney!

Thanks. It does feel good to have a legal person on my side to help combat the legal eagles on the other side.

:hug:

[MissHoneychurch]

5. Defintely

It is scary enough already that you HAVE to file for bankruptcy. No reason to fight the fight alone

I wish you the best gf :hug:

[SeattleGirl]

6. Thanks, gf.

:hug:

[CaliforniaPeggy]

2. What good news, my dear SeattleGirl...

Those slender shoulders of yours should not be carrying around any such load...

I hope you will soon be able to dig yourself out from under, sweetie... :hug:

[SeattleGirl]

4. Thanks, darlin' Peggy!

I'm hoping for Chapter 7, but even Chapter 13 would be a relief from the endless hounding I've been subjected to. I've been lied to, talked down to, told I was a liar, told that I was just "choosing" not to pay my debts. BS. In May, I brought home a whoppin' total of $1025. Yeah, I'm sitting on a ton o' bucks!

:hug:

[idgiehkt]

7. it really is

I filed student loans under a base 13 so I paid them back over a period of three years but once you go under the advisement of a bankruptcy lawyer the creditors can't harass you and it is wonderful. I hope you get base 7 but even if you don't it is a tremendous relief just not to have to deal with those nasty minions of the devil. If you do get base 13 make sure they calculate your interest for the pay back period right, they didn't do mine and even after mine was discharged they came after me for the interest, but I didn't find out about it til after my credit was ruined again...it was a bad experience...probably just a road sign but at the time it felt like a sucker punch because I'd gone two years without knowing what was going on. :(

Congrats on your moving forward, it only gets better from here. :hug: :hug: :hug:

[SeattleGirl]

8. Ah, those student loans.

I had defaulted on mine in the past, but paid them off in 2 years. That was a relief.

This firm I retained specializes in bankruptcy (both 7 and 13), but thanks for sharing your story. If I end up having to go 13, I'll make sure I ask about the interest issue.

[Callalily]

9. You are brave

for taking this step. And it pleases me to hear that your spirits have risen. Wishing you better and calmer days ahead.

:hug:

[SeattleGirl]

20. Thank you, SF.

:hug:

[ThomCat]

10. I hope this helps you get room to breath.

:hug:

[SeattleGirl]

21. I'm breathing better already.

Thank you. :hug:

[RebelOne]

11. I just filed a Chapter 13 and finally have a feeling of relief.

Even though I have to pay a set amount per month to the courts, I am relieved that finally I will someday be debt free.

[SeattleGirl]

22. Good for you, Rebel

MrSG filed a Chapter 13 before we were married, and he felt so good when he filed, and again when everything was paid off.

[meegbear]

12. Was it just credit card debt?

I singed up for Take Charge America and my cards will be paid off in 2 years - I signed up over a year ago.

Hope it works out for you.

[Orrex]

16. How does that work?

My credit card debt is larger than some nations' GDP, and it's not as though we spent it on frivolous shit.

I'd love to take advantage of some kind of debt counsellor, but I'm terrified of getting screwed over. And over and over...

[meegbear]

17. Contant them ....

www.takechargeamerica.org

You can fill out an online form or call direct. If you are accepted, hell, I was with 3 maxed out card ranging from 28% to 31% interest, they contact the banks and they set up a payout plan, making it as fair as possible and closing your cards. You send the money to TakeCharge and they send it to them. They get $37 a month fee outta me.

In a few months your credit score will start going up, and once your paid, your done.

[Orrex]

18. Holy shit!

That would be like buying back my soul from Satan, except that Satan is a cheerful, avuncular figure compared to Chase and Citibank.

Thanks for the tip--I'll definitely look into it!

[SeattleGirl]

23. I have several types of debt.

I'm glad you are on your way to being debt-free. It has to feel good!

[raccoon]

13. Glad to hear it. Best of luck to you, Seattle. nt

[SeattleGirl]

24. Thanks!

[bertha katzenengel]

14. Dear SeattleGirl:

:hug:

[SeattleGirl]

25. Thanks, bertha.

:hug:

[Parche]

15. BR

I feel your pain, I went thru that in 1994....was rough but had to be done......:hi:

[SeattleGirl]

26. Yeah, sometimes that's what it comes down to.

:hi:

[southlandshari]

19. I know exactly what you are going through

You did the right thing. Don't let anyone tell you different.

:hug:

[SeattleGirl]

27. Thanks shari.

And thanks for the PM. :hug:

[mwdem]

28. Good for you.

It's got to be a relief. :hug:

[SeattleGirl]

29. It really is.

:hug:

[Gormy Cuss]

30. That's good news, SeattleGirl.

I hope that with the attorney's help you can keep the burden off of you while you rebuild your finances.

[SeattleGirl]

31. Thanks, Gormy.

I already feel better.

[LeftyFingerPop]

32. Congratulations SG...

at least the burden will be lifted.

I know several people who have done it, and they are not sorry for it.

Wishing you well. :D

[SeattleGirl]

35. Hey philboy!

Thanks so much! :)

[LeftyFingerPop]

38. ...

:thumbsup: :hi:

[Shine]

33. My dad had to declare bankruptcy and it was great for him

the pressure is definitely released, so I'm glad you're goin' that route, SG. Plus, isn't it the case that it only lasts on your record for 7 yrs? You'll be fine. :hug: :loveya:

Hang in there! :hi:

[SeattleGirl]

36. Thanks Shine.

It'll all work out, I know.

:loveya: :hug:

[BlueIris]

34. Good job! Best of luck.

[SeattleGirl]

37. Thanks!