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anyone regret BK?
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Posted by considering
(65.122.209.6) on July 30, 2004 at 00:04:11:
I am considering filing BK. I have no assets, debt on 19 accounts (!) and not a great income. I have been paying less than the minimum on most of these things for years, if they want 20 send 10 that sort of thing. I few I had to give up on altogether and they got sent to a CA that is hounding me day and night. Sears, which is one that I send something to every month, calls every day at least 6 times beginning two weeks before the bill is due. They stop after recieving payment but start up again as soon as the new bill comes out. I only answer my phone about 1 of out 20 times a day. One CA just sent arbitration papers and I need to do something. Sorry this getting long, but have any of you ever regretted filing for BK. I mean, these are my debts and I feel like I should pay them, but I can't. I grew up listening to family saying how horrible BK is and people who file need to get a life and pay what they owe. I can't even tell anyone about this. My kids keep asking why they can't answer the phone, we have caller ID, and I make up a story about telemarketers. What I am supposed to say, your mom can't pay the bills and support you? How do I get over the guilt?
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