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After researching and reading these forums for months, I decided filing BK would be the best credit move for my financial situation. My attorney filed my Ch. 7 case today and I am anxious to start fresh and do things better this time. I had well over $75k in debt and my credit score is already in the low 500’s. Going to start on the BK to 700 plan and follow it to the letter.
Hey MyLo,
First, I give you props for taking the time to make the decision. One of the hard parts (the paperwork) is pretty much over and now comes the wait. I was 15 weeks from my filing date to my discharge. Some days were full of anxiety. Try to relax, you'll get there. I was in the high 400's when I filed. Good luck and keep us posted.