MasConcepts Incorporated

Discharged under Ch 7 in February 2025. I haven’t told a soul except my therapist and financial advisor. I still feel A LOT of shame over filing, even though it was 100% the right decision. I got into $36K debt primarily by making bad decisions, not because of big life circumstances like job loss or medical bills, etc. I have spent the year working on my savings and basically trying to forget about the whole thing. Now my partner and I are going to discuss living together, and I know I have to tell them. I am so full of dread and don’t want them to see me differently. This also definitely affects our options for living together. We both own our homes and would probably want to buy something together, but I couldn’t get a home loan for at least another year. So far my plan is just to be honest and tell them I got into debt by getting in over my head as a new homeowner, lack of financial literacy, and poor decision making, and explain how I’ve learned from my mistakes and what I’m doing now to continue to improve (finding a financial counselor, working on credit score, etc.)

I’m just looking for some encouragement and success stories. Thanks all!