@Anonymous wrote:thank you for your reply, so after taking some time I am going to hold off on the BK idea now and work on some payment plans and settlments with debtors to help me. I have also got a loan from my parents and i have always diligently paid them back. Right now I am seeing how this goes and giving my self 2 years to manage this. So far so good. Ive even saw some of my collection accounts report the new balances and things so its giving me sort of a boost. I just hope i can get over feeling depressed about this and bummed. But even slow progress is progress right?.
@Anonymous , Progress is progress!! Dont sell yourself short, and you made the right decision for you now in your current situation! The forums will always be here if you need us in the future and need to ask questions! Good luck on your rebuilding!! 
@pizza1 wrote:
@Anonymous wrote:thank you for your reply, so after taking some time I am going to hold off on the BK idea now and work on some payment plans and settlments with debtors to help me. I have also got a loan from my parents and i have always diligently paid them back. Right now I am seeing how this goes and giving my self 2 years to manage this. So far so good. Ive even saw some of my collection accounts report the new balances and things so its giving me sort of a boost. I just hope i can get over feeling depressed about this and bummed. But even slow progress is progress right?.
@Anonymous , Progress is progress!! Dont sell yourself short, and you made the right decision for you now in your current situation! The forums will always be here if you need us in the future and need to ask questions! Good luck on your rebuilding!!
thank you so much pizza1 i was sooooo happy to pay as many of my creditors back as I could and on my whole settlement run offering and PIF'ing I found out that I had/have a judgement against me, unbeknownst to me. I wasn't ever served or anything. But I wont even try to fight it as I do owe the money to NFCU for $16k. Which was my last and biggest creditor owed. I was hoping to pay down the lesser ones first just to get the goings started. So now looks like ill be filing Chap 7. NFCU wants the whole $16k or payment plans of $666 per month, which i cant afford at this juncture. I fel like a failure. I really cant blame anyone but myself I shouldnt have trusted peiple when i was sick and in my lowest point with my illness but man Id be lying if I said I Wasnt mad in the least. Im just like down and depressed and thats exactly how I was years ago before my illness hit. One up note is I did find a lovely, sweet female attorny. I researched her to DEATH and asked around on forums and checked her credentials. She even suggested so services that I could use to help me in my personal life on the non financial side. I am just like done with everything creditwise. BUt i did try at least.