My husband and I are in over $225K in debt.
How did we get here? Being dumb 20 and 30 somethings living above our means who were hit by a string of unfortunate events (4 layoffs back to back in 3 years time, a near death experience for my husband, loss of a parent, and then just regular life).
And thru it all, I’ve consistently made enough money to keep us over median for filling Chapter 7 in TX. But I’ve never consistently made enough and felt financially secure enough to get out of this hole.
And Chapter 13 payments are so high they are also uncomfortable to commit to long term. I’m now self employed because I can’t trust anyone with my livelihood. I feel a bit of peace with that but my nervous system still can’t just rest.
I am f+ckin exhausted. Truly.
So now we just sit there and wait… wait for the eventual summons. And deal with the creditors that reach out on a small scale. But the anxiety and embarrassment (process servers have a knack for showing up when we have visitors).
Just a big ugh…
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