@Anonymous wrote:
Don't really appreciate the tone. You aren't a financial advisor, nor are you a bankruptcy attorney yourself.
My reservations have nothing to do with pride. If it were pride that were an issue, I wouldn't be transparent about my financial health on here, or discussing it with friends and family. BK is a financial undertaking and commitment that I don't think I'm ready for. And, that's why I've been hesitant to commit. Greenpath plan was suggested by my Credit Union, which IS a financial institution. And, I have already considered the financial undertaking it would be. However, my interest was piqued by the honest effort I'd be making to make good on my debts owed.
Bankruptcy is a viable solution for some, and an excellent option that I'm glad exists. I know it's helped a ton of people in crisis. That does not necessarily mean that it's something I HAVE to pursue, even based on where I'm presently at with my credit and finances. So, again, nothing to do with pride. I've been taking the past few months to weigh my options, research, discuss, and determine what the next step is. I'll update if I have chosen to go this way.
I dont' think you should read too much into jolt's reply as being rude or antagonistic- the hard thing with reading responses in print is that you cannot hear the tone of thevoice, so it is up to your own interpretation. Im sure he was only assuming it was pride, as it is with a lot of people, but I don't think he was talking down to you from what I read.
I am puzzled by your comment though, about BK being a financial undertaking & commitment. Certainly if you were going to do CH13 it would be, but CH7 is relatively painless. Again, that is why I, and others on here, urge you to speak with a competent BK attorney that can answer any & all concerns you may have regarding what your best course of option should be. GL!
