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Can't provide an answer but I can provide you some clarity and support. Bankruptcies carry an unfair stigma behind them. "You cant manage money so you had to get bailed out." That's not always the case. Freak accidents, loss of jobs, failing businesses...numerous things can cause a person to have to consider bankruptcy. In my case, I was young and dumb. Thought I could spend spend spend and pay it back in small chunks. Not always the case lol After several years of trying to stay afloat I finally caved and realized BK7 was my best option. I went back and forth about it until I essentially got confirmation from a lawyer that in my situation bk7 was best. While I certainly felt the sting of "I cant handle this on my own, I'm being bailed by the system", it was overall the best decision for me. It's literally a fresh start. In my situation all of my debts were wiped clean. When you're deep in debt, the release of those burdens really give you a fresh take on life. Combine that with the new found knowledge I've been gaining everyday on my own and this website, I'm in a much better situation POST bankruptcy than I was pre-bankruptcy. I've more credit than I ever had before, I'm consistently keeping my utilization below 8% (PIF is a great feeling when compared to barely meeting the minimums), I'm an avid rewards chaser and the commradory and stories you see on this website truly make the rebuilding journey worthwhile. If you do indeed deem bk7 or 13 is necessary, know that its not the end of the road...it's merely a detour back to the beginning of what can be a healthy and prosperous life and credit health. Good luck and keep us posted!
try not to fill. i you do . do a chapter 13 and keep your home. we filed in 2011 and still cant get a home
@Anonymous wrote:try not to fill. i you do . do a chapter 13 and keep your home. we filed in 2011 and still cant get a home
There's more to everyone's story. Have you been on the straight and narrow towards credit repair? 4 years is a solid amount of time to recover and make great strides. Theres some on here that have been successful...some have not. Here's hoping you get whatever it is you need.
correctomundo