Not sure how to say this on here but anonymity helps I suppose.
I don’t think I’m a unique story for what it’s worth.
Once a high earner.
Very liquid.
Credit was easily accessible.
Once had multiple open lines with $50k+ limits.
Well traveled.
Felt successful in the superficial sense.
Laid off.
Pivoted careers to something I should have done long ago.
Bet on myself. At 34.
Completely delusion and went in cold turkey.
Had some success in this new world but not enough to service old debt that kept climbing.
Fast forward, evicted this year – I’ll never forget those knocks on the door from the Marshall. 10 minutes to grab what I could from a home I had for over 10 years.
Stayed at a shelter.
Got sued by a bank. Garnishment order for my bank account which does not have much. But it’s all I have.
Contacted an attorney.
Will now be filing ch7 this week.
170k in the hole. Former Landlord included.
2025 was gross 55.
2026 about the same.
Need a fresh start. I’ve lost it all.
Not enough to get on the subway.
Any advice? What are the chances I get this fresh start through the trustee?
How do I rebuild my life? And my credit?
Contemplated every dark thought that one can go through. Right now I feel like a Dostoevsky character.
Dm is open and thank you in advance for your advice.
submitted by /u/HopefulWay7597
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