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Old 10-14-10, 09:55 PM
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Default For those who have BTDT...

with bankruptcy....

If I may be so nosey...

What made you do it?

Did it help? Did it hurt? Would you do it again if you were in the same spot (not really again, but make the same decision, knowing what you know now)?

What was hard about the process or the aftermath?

The Dave Ramsey thing didn't work (my husband won't run like the gizelle from the cheetah)... We've been trying, digging, paying and sinking... Just too much to get caught up with.....

We are going to CCCS for an appt., but I'm not hopeful.

ugh. thanks.
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Old 10-14-10, 10:39 PM
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Thank you Dopey406!
Oreo (10-15-10)
Old 10-15-10, 10:51 AM
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I don't know anything about it. I do have a friend who did it, and it seems like they're in a better situation financially 9 years later, but they can't get credit cards and have had to wait to buy a house. Apparently that stuff "goes away" at 10 years? I'm NOT sure though.


Keep us posted with what you feel comfortable with telling us. I hope it's not as bad as you think.
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Thank you 3Princes!
Oreo (10-15-10)
Old 10-15-10, 11:57 AM
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We have friends that did several years ago and are getting ready to buy their first home since. They live better than we do...
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Thank you brandimichelle!
Oreo (10-15-10)
Old 10-15-10, 12:10 PM
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We had great luck with CCCS. They helped us pay off our largest credit card debts. I however do think DH and I would have been better off to have declared bankruptcy. We did pay off a lot of debt BUT we still have a ton and since we never made any more money we are still living paycheck to paycheck and barely making it each month.

I don't think bankruptcy is an easy answer but hopefully CCCS will guide you in the right direction and if bankruptcy is the only solution for you guys do it. Don't be ashamed and just work on repairing credit and saving at that point. It happens and you can move on and be better for it.

Thinking of you!
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Thank you Patience!
Oreo (10-15-10)
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