I was once like you browsing and looking for ANSWERS!! I used to make really good money , I did good in life !Bought my first house when I’m 23 , and 2nd house when im 30, Travel the world , drive good car , I’m Very responsible and I have 790-810 credit score until I shift my focus to TRADING. I lose all my savings and I lose my 200k marketing job , I start living paycheck to paycheck . I survived using my credit cards for 2 yrs until it all max out . I was in my lowest stage in my life . I start digging options how to get a fresh start until I learn about Chapter 7.
$70,000 credit cards
$40,000 personal loan
$20,000 UI overpayment
March 5, 2026 – I filed
April 6 ,2026 – 341 meeting (went well)
June 8,2026 – Discharge
I am home owner – I kept it
I have car – I keep paying
Right now , I have NO plans yet to get new credit cards , I am use to it using debit card, I adjust my lifestyle , I don’t spend like how I use to before I have learned my lessons and I will do all my best not to be in this situation again.
Slowly and slowly get back 🙏🏾
submitted by /u/SoarBaby
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