Bankruptcy should at least give you the opportunity to claw your way out. So it's better than just continuing what you were doing.
After college I ran into a lot of financial issues. My workplace closed down, had student loans, was paying bills with old savings bonds my grandpa got me in 2nd grade. It's a fucking terrible feeling. I managed to dig myself out by working multiple jobs and pinching pennies. It took a good year or so of that to right myself. Financial instability fucking sucks. I'd rather work 80 hours a week than deal with that feeling.
_BIueMonk posted...
i recently filed for bankruptcy too. years of just bad fucking luck with work, then covid finally made me realize that i need to get this debt off my back before i can actually feel like i have control of my life again.
got a good lawyer, filed for chapter 7. next week is my last day that creditors can dispute it and hopefully everything can be discharged.
the only regret i have is that i didn't do this sooner. i dont know why i kept convicing my self that i didn't need to do it. i think it was the social stimga. i mean, hell, people on this board still troll me whenever i say i buy anything because they think filing for bankruptcy is a sign of failure, as if we're not allowed to make mistakes in our lives. i feel bad for those people.
but the good news is that after 5 fucking years of bad luck, my finances have turned around. after filing for bankruptcy, i lucked out and got a great job and all the free money from the government has really been helping.
bankruptcy is a fresh start, and i intend on embracing that fact.
I basically convinced myself for the longest time I didnt want to do it, but you are right, I definitely feel like a failure for even being in this situation. Didnt know a lawyer could help with this though.