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.
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.
BK7 Discharged 7/7/17 7/7/17 scores EQ 527 TU 484 EX 547 06/10/20 scores EQ 690 TU 691 EX 693 Cap One Quicksilver One $4350 | Discover IT Chrome $3600 | Overstock $14,100 | Discover IT $21000