Here's the story. I made my first chapter 13 payment in January 2019. There has been a lot of turmoil in my life, in every way imaginable (even before the pandemic). I have had 3 different jobs since January 2019. None of this was my fault, just some unique circumstances resulting in me having to make a change. I was laid off in October of last year from a job I absolutely loved. I was there for 8 months and could have seen myself working there until I retire.
I had my plan modified about a year ago and now I am paying an amount I can actually afford, even while on unemployment, which is the only saving grace. I haven't worked in 5 months and I'm feeling super discouraged about everything, but especially my credit rebuild. Every payment feels like it's harder to make than the one before it; not financially, but in an emotionally draining way. Shouldn't it be the opposite? Has anyone else felt this type of despair so close to being done?
