Hi everyone. Just wanted to share some good news in case anyone’s in my situation and could use it 🙂
Location is Indiana. I filed on 5/28/26, 341 on 6/25/26 (went quickly, mostly yes or no questions, I was anxious for nothing!), and was confirmed on 7/08/26 (oddly, I never received the letter. I just happened to check my trustee’s website and saw it). I’m paying $650 a month until July 2028 then it bumps up to $1029 since I decided to keep my car out of the plan and it’ll be paid off by then. So far, no creditors have filed a claim.
Credit score took a major hit but it’s starting to trend upwards. I even got approved for a Mission Lane card. $500 limit but that’s all I need. HIGH APR but to be expected.
So in a matters of 8 weeks, I’m already starting to rebuild my credit. Still getting caught up on bills but in the next few paychecks, I should be able to start saving.
If you’re on here wondering if you should file, DO IT! I no longer feel anxiety around payday and finally feel free.
submitted by /u/orangefairy4
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