04-03-2012 08:26 AM
I never would have thought that my wife and I would ever file for BK. And if you ask most of our "friends" they would say we were lying if we told them we filed. It was a decision that we waited 2 years to finally say enough was enough. It was a very difficult decision. Pride played a huge factor in not filing sooner. You have already spoken with an attorney so I am sure he has spoken with you about your state exemptions. Fortunately for us, from the outside everything looks exactly the same. Our kids and even our family members have no idea. But my wife and I know that this was not easy. It put a major strain on our relationship but we stayed strong and had a united front. We are in a Financial Course at church so that we will hopefully not put ourselves in this situation again.
04-03-2012 08:31 AM
Well, it is decided. DH spoke to close friends of ours that just recently finished their Chapter 13 and I spoke to the attorney yesterday to ask some more questions. Between the both of us and a long talk last night about all the options, we decided this is the best option for us. So, we need to tie up some "loose ends", cancel some automatic payments, and I need to call in and pay to start the paperwork, but the decision is made and we are moving forward.
I am so thankful for my friends here to encourage and advise us. I will keep you all updated throughout the process.
Comet, are you doing Financial Peace University? We went through that and thought it was great. I appreciate your sharing of your experiences and I wish you and your family the very best.
04-03-2012 08:55 AM
Our church does not offer the Financial Peace University but I have read Dave Ramsey's Total Money Makeover. Someone did give us the Course Materials for FPU though. The information is pretty much the same but it was a little outdated because it came with casette tapes
Good Luck in this process. Come here to vent and ask questions. There is a lot of good information and people on this site that have experienced exactly what we are going through.
04-03-2012 08:58 AM
Please do keep us updated.
I'm glad to hear he came around a lot sooner.
Follow my financial journey: http://www.frugalrican.com
04-04-2012 08:34 AM
Best wishes as you move forward! Glad you've found the forums and the great info and support here. We're all hoping everything goes well for you.
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