Re: Dont know if should file now?

Erin,

I had something similar happen. I mentioned to a good friend I was
considering filing & got a very unexpected sermon out of her.
Instead of being supportive, I was hearing things like "it's a sin" &
bankruptcy is only for people who have huge medical bills." This
really upset me but I learned. She was the last person I told who
hadn't been through BK herself. I don't have medical bills, but huge
credit card debt that built up many years ago (my irresponsibility on
that part, I admit) & was never going down because my minimum
payments were so high I was having to charge groceries, gas & many
other living expenses as there was no money left after making my
payments. My final straw was when I had to deposit a credit card
check (which promised to raise my credit limit to cover the amount of
the check - talk about waving a life jacket in front of a drowning
person!) so I could make my car insurance payment. I realized that I
just couldn't do it any longer. I could no longer continue that
cycle of paying all of those minimum payments just so the balance
would go down enough to buy groceries!

Do I feel guilty? You bet. I would love to be able to pay
everything off & get on with my life. But this has gone on for so
many years, I realize it will never change if things stay the same.
I'm still at the "dodging the phone" stage while I'm trying to save
up to file, but can't wait until I do & can get this step behind me.
This message board has been a godsend. So much support &
information. It helps knowing you're not alone & other people are
struggling through these decisions. Good luck to you.

~ Kathy

--- In , "Erin" wrote:
> Well, I met up with a friend I havent seen in awhile and told them
> what is going on in my life. When he found out I have decided to
file
> bankruptcy he went balistico on me and started to lecture me for 45
> minutes on how I am irresponsible to be thinking of filing
> bankruptcy. He kept telling me how I got myself into this mess and
> should take some job at like McDonalds to pay my bills. I told him
> working full time at McDonalds wont even pay my bills.
>
> So he made me feel like the scum of the earth because I have no
job,
> and am contemplating bankruptcy. He told me I wont be able to ever
> get any credit or anything for like 13 + years. I thought it was
for
> 10?!?! Now I am confused what to do. I really think Im at the point
> where bankruptcy is my only option. My credit is already shot
(below
> 500). Its not like I want to lose my car. Its not like filing
> bankruptcy sounds like a load of fun. I dont know what to do.
>
> Should I ignore him? Thanks so much.
>
> Erin