Yikes! I didn't know insurance companies looked at your credit report in determining your rates. I guess it makes sense, now that I think about it, but I always thought it was just based on your driving history. It's especially surprising to me that they might continue to look at your credit report after you've bought a policy.
Starting Score: 702Yes, I agree that our insurance rate *should* only be based on driving history but I have seen my credit reports and can see the inquiries from our carrier (Farm Bureau) about every 6 months. And I don't want to "open a can of worms" by asking them. 
beammeup, that's good news that at least you didn't contend with that. We've been customers for 4 1/2 years so I would certainly hope that there is some loyalty there. How long did you have your insurance before filing? I wonder if it matters.
Math_Rocks wrote:Yes, I agree that our insurance rate *should* only be based on driving history but I have seen my credit reports and can see the inquiries from our carrier (Farm Bureau) about every 6 months. And I don't want to "open a can of worms" by asking them.
beammeup, that's good news that at least you didn't contend with that. We've been customers for 4 1/2 years so I would certainly hope that there is some loyalty there. How long did you have your insurance before filing? I wonder if it matters.
Probably 2-3 years. But again, we didn't have any issues with changing the policies or in getting quotes for new policies.
Hopefully, that'll give you one less thing to worry about. 
Some folks have options as far as filing for BK, for others it's really their only realistic option.
If this is really what you must do, then you might consider doing the right thing and letting the humiliation go. It'll just make you happier.
No sense in making yourself miserable over things you have no control of.
I think someone else posted that there's not nearly the stigma attached to BK that there once was. I think that's true. And there's probably folks on the committee (or whatever) that renews tenure that have either been through BK or know someone who has. Folks are more compassionate than we might expect. I was worried that it may affect DH's employment but we have not seen that happen.
I thought BK was supremely stressful - so I get it. Devastating. Really. What I learned is that I wasn't all that special - there are lots of other folks in the same situation. Folks who work hard, who try to do the right thing, and who wind up filing BK. Our attorney, after reviewing our case, said we weren't perfect but we were doing most everything right. Life happens. He also said if it could happen to us, it could happen to him. I think my pride was part of the issue when it came to feeling so humiliated. I've learned that I'm like a lot of other good folks, and other good folks sometimes have to file. I've never had a reasonable person come after me for BK. Ours may have been published in the paper, I think it was. I don't know for sure. I know the mortgage company putting our house up for sale pending the BK was definitely in the paper. No one has ever ever been demeaning to me or my family - folks just don't care that much. They know that life happens. It's more okay than your heart is making it.
Hopefully folks don't take as long as I did to grow up, look at the bigger picture, and really enjoy life in spite of the BK. I just hate to know that it can overshadow the real stuff in life - which is SO good. Be mindful of stuff, but don't stress over little things like it showing up in the paper. Folks just don't care much.
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