I am six payments into a five year 13 plan. I’m having trouble sleeping and panic attacks because I haven’t been able to spend like I used to. I had a series of family emergencies and without thinking I ran up over 120k in cc debt. I was already on a bad path because I spent at the same rate I did before my divorce and could not adjust my lifestyle down… but helping family out drove me into territory where the payments were just too high and I saw no way forward. Knowing myself and my lack of discipline, I know that I couldn’t have just stopped using the cards and paid them down without being in a constant cycle of debt so I know I made the right decision but life feels so strange now. Maybe I need a bankruptcy specific therapist. My current therapist once told me that as long as I’m saving for retirement I shouldn’t worry about my spending. Boy was that horrible advice. I maxed out my 401k every year (good) and maxed out a bunch of credit cards too. I think I also need a support group.
submitted by /u/thenon-binaryP-I-C
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