Yep I’m filing bankruptcy.
About 20 years ago I was in another bad situation when the market tanked in 2008-10 and had about $60,000 in debt and disappearing income.
BUT, I was absolutely terrified to file bankruptcy, I thought that was the worst thing ever, I had this huge thing in my mind that I just couldn’t get over, sleepless nights nightmares anxiety it was crazy. Now however after going through divorce I don’t even GAF
20 years ago I ended up having some good income and was able to negotiate with the credit card companies to pay everything off for less than the amount owed. It was a long painful scary process but I paid everything off.
Looking back I have no idea what I was so scared about filing BK
And NOW after having my emotions seared as with a hot branding iron going through the actual pain of divorce with even more debt I don’t give a rip at all about filing, it’s an absolute Zero on the anxiety Richter scale, I’m actually kind of looking forward to it with zero guilt zero fear basically zero emotions at this point.
I’m considering doing a DIY. I have a relatively simple case. It’s just unsecured debt and I’m not self-employed. No financed cars no expensive cars.
So if anybody wants to drop some feedback on a DIY bankruptcy I’d love to hear it, Reddit so far has been very helpful
submitted by /u/DudeWee2
[link] [comments]