I’ve been more of a lurker than a poster here. I have followed some of the guidance posted for others. I will say it felt very daunting at first. I was very sad then angry and then extremely depressed with myself for getting into the situation I was in. When it felt like there was only one option left, not going to say what as you all can figure it out I’m sure, to make it all stop I was given the best advice to look into bankruptcy which led me here. I started my steps in mid Oct 2025, completed filing 12/26/2025, 341 meeting today, and was told to expect full discharge very soon. For anyone that was feeling like me I can honestly say an extreme weight has been lifted off me. I can now focus on my mental health and getting life back on track. I will not be getting a credit card or loan anytime in the near future. I know people do it to start rebuilding credit right away but for me chime / credit dot ai (post was removed because of external link) is going to be the way I go.
submitted by /u/slacker220
[link] [comments]