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Old 02-22-2013, 07:46 PM   #11
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Re: We are filing Bankrupt next week

Sorry you have to file for bankruptcy in the first place, but things will start to look up after you've done it. Just one of those things, it sounds scary, but sometimes it's the only and best option! Good luck!

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Old 02-22-2013, 08:02 PM   #12
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Re: We are filing Bankrupt next week

No judgment from me. We just filed bankruptcy too because of our house in another state. We had to relocate due to DH's job and we tried selling the house for a year and it was a no-go. (We're renting in Florida now). BofA didn't accept any short sales and wouldn't do a deed in lieu. Honestly it was the better option for us. We now have no doubt, are able to save a good chunk of money and we have NO credit cards, and will not be getting any. We are young enough for this to be a fresh start for us.

It will be fine!!
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Old 02-22-2013, 09:54 PM   #13
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Re: We are filing Bankrupt next week

I'm sorry. It's good that you figured out what you need to do. Sometimes it is unavoidable.
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Old 02-22-2013, 10:09 PM   #14
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Re: We are filing Bankrupt next week

So sorry this is happening momma. We will be in the same boat sometime soon.
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Old 02-23-2013, 03:15 AM   #15
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Re: We are filing Bankrupt next week

You know with the economy the way it is there are soo many people filing that in a few years it will be a really common thing on people's credit history.

I'm sorry you have to deal with the stress mama, money sucks
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Old 02-23-2013, 06:31 AM   #16
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Re: We are filing Bankrupt next week

I honestly know very few (like maybe 2 people and they are very old) thay could live on 45% of their income. I completely understand why you need to and I hope it helps you get back on track. Feeding your family is more important at some point than trying to salvage your credit.
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Old 02-23-2013, 06:36 AM   #17
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We had to file almost 2 years ago, after years of mismanaging money when we were younger. Neither one of us was ever taught to manage money properly or budget by our parents, so we majorly screwed ourselves. It was honestly the best thing we ever did... We have learned so much, we manage our money and debt properly and we've gotten our second chance at life. It will get better
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Old 02-23-2013, 06:36 PM   #18
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I'm so sorry your having to go through this.

I've contemplated filing but I'm scared to death & have NO idea where to even look or ask questions! Due to prior mistakes, divorces, being young & stupid, we feel we can't get unburied- How does it work? Are you able to keep your home & vehicles? I'm so scared of what the future holds living like this!!

I hope everything turns out ok!!
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Old 02-23-2013, 08:58 PM   #19
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Re: We are filing Bankrupt next week

I posted a whole thing on my blog Friday (in my siggy) answering those same questions!
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Old 02-24-2013, 02:01 AM   #20
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Re: We are filing Bankrupt next week

Good luck mama. I filed back in 2001 (because of my exh). Best thing I could have done for myself. It did make life VERY hard for a while because of my bad credit (but I lived in a very tight housing market so it really hurt me), but it really set me free from everything. Now it's been 12 years and it's completely dropped off my report and life is good.
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