Re: Dont know if should file now?

I'm sorry that your friend hurt you and put you through that. I had the
same things happen when we filed and it really bothered me, so I try to only
talk about things with the people that I know I have support from now. You
have to do what is right for you. In our situation, my husband lost his job
when our daughter was 3 months old. Both her and I had some problems from
her birth and were seeing specialists and we racked up some really expensive
medical bills from all of that without insurance as well. He tried for 10
months to find another job and he did a couple of freelance jobs while he
was laid off, but those were always very short term and they didn't pay
enough to keep us afloat. We started depending on credit cards to keep us
afloat hoping and praying that soon we'd be in a better position to pay the
debts back. Now...I realize now that we shouldn't have done that, but we
didn't know what else to do to get groceries and clothing for our growing
baby and all that. He finally got hired on at a company but he took a 40%
paycut from what he was making before. I checked into going back to work
too, but we can't afford daycare either with what I'd make and we were just
scraping by with necessities on what my husband makes. So, we started our
own home-based business. We finally decided that a chapter 7 would be the
best for us. We had tried to work with our creditors and they weren't
willing to help us out with what we could do and we didn't have enough left
over every month to pay back all the medical bills and the credit card bills
and everything else, so we met with an attorney. Our debt is set to be
discharged on September 8. We're still having a hard time financially and
are talking about selling our house and moving in with my husband's father
for a year in another state to get back on our feet. We're still deciding
on that one though...depends what our house will sell for and I'm nervous
about if we could get another mortgage or not in a year from now. I didn't
mean to tell you my story, but I guess I just wanted to explain that your
friends may have good intentions, but they don't know the complete situation
or everything that you've tried to do as well and you have to do what you
feel is best for you. Nobody else pays your bills but you, so they
shouldn't judge you. HUGS

Jess