Filed bankruptcy…again :(

[GirlMelanie89]

Hi FICO friends!

I'm back unfortunately. My husband and I just filed bankruptcy on 9.14.23. It's his first time filing but my second time. This was such a hard pill to swallow, as I had built my credit back up substantially after filing the first time February 2014. But when I tell you, I can finally breathe...I mean that. The past year and a half has been sooo stressful trying to stay afloat. I managed to maintain $14k in monthly debt payments up until 2 months ago. I'm sad that I'm here again but feel relieved that I'm here. I wholeheartedly know that this time around, I will ONLY be living below my means. I'm super excited for the fresh start with my husband though.

9.14.23 was the first day of our new season. Our MOC meeting is scheduled for 10.17.23 and accounts are already closing and the BK is already reporting on our Credit Karma credit reports. 

[CH-7-Mission-Accomplished]

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@GirlMelanie89 wrote:

Hi FICO friends!

I'm back unfortunately. My husband and I just filed bankruptcy on 9.14.23. It's his first time filing but my second time. This was such a hard pill to swallow, as I had built my credit back up substantially after filing the first time February 2014. But when I tell you, I can finally breathe...I mean that. The past year and a half has been sooo stressful trying to stay afloat. I managed to maintain $14k in monthly debt payments up until 2 months ago. I'm sad that I'm here again but feel relieved that I'm here. I wholeheartedly know that this time around, I will ONLY be living below my means. I'm super excited for the fresh start with my husband though.

9.14.23 was the first day of our new season. Our MOC meeting is scheduled for 10.17.23 and accounts are already closing and the BK is already reporting on our Credit Karma credit reports. 

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Upward and onward.   I have had to learn most of life's serious lessons three or four times myself, so I feel your pain.   I have faith in you.   Every time you fall off a horse you have a choice to make:   Lie their in the horse **bleep** or get back up on that horse and try again.

Congrats for getting back on on.   

[GirlMelanie89]

Thank you so much for your kind words! You're exactly right! 

[FireMedic1]

Well history does repeat itself at times. Sorry you had to go thru it again. But this time you know what to do and not do. Stress can shorten a life and cause so many health issues. Isnt worth it. You want something. Save and pay for it. Then you can say we earn it and enjoy it more with no interest! Good Luck with the MOC and DC.

[GirlMelanie89]

That is very, very true unfortunately. But you're absolutely correct and I want to live as long as possible. Thank you sooo much!!!