last night I cried!

A friend of mine went backrupt and he too was devasted. It can only get better!

My 96 yr grandmother once said to me that theres nothing so bad thats lasts forever. And if you always do what you've always done, you will have what you always got .(mean things need to change)

korben556 wrote: »

This will sound ridiculous, I am a grown man with a family.
However I could not help myself and broke down last night, luckily was able to get out of the way so that my son did not see.

I have no choice, but to go bankrupt, but anyone who thinks that we are taking an easy way out need to think again!

I know once I have done it I will feel nuch better, but it is very frightening, especially when you are already so stressed over finances.

Just had to tell someone and this feels like a place to do it.

Thanks

hi there..welcome to the br board
we are a friendly lot who will try and help you anyway we can
i'm so sorry to hear you've reached such a point
noone on this board would think you're taking an easy way out, far from it!! it's terrible when you reach that dawning realisation, but things do get better i promise!
have you taken advice from one of the debt charities? they will be able to give you your options and the implications. i rang national debt helpline who were very very helpful, non-judgemental and frankly brilliant. but any of the debt charities would be able to help, or the CAB.
i went br yesterday:eek: it was such a difficult decision and facing up to it was a big step. the process itself isn't particularly difficult, but the emotional punishment i dished out to myself (and continue to) is the hardest bit.
i would suggest you get some advice and post any questions on here.
good luck x

Hi

Just sending you some :grouphug::grouphug::grouphug: to let you know you are not on your own. As one who is going through it I do understand how you are feeling. Try not to beat yourself up too much. It will get better and taking control is the first step.
It can be a scary process so don't be afraid to ask anything you want to because there will be someone that has been there. Even if you just need to talk.

It will get better
Good luck
Cuddles:rotfl:

Hi Korben.

I can't echo the sentiments of the other posters enough.

It is hard, but the help and support is here if and when you need it.

By the way, a BR order covers all your debts. It is a legal thing. It does not matter if you forget to list a creditor. They are still legally covered by the BR order. It is a fairly common thing for ones to be left out or forgotten, which is not surprising given that the forms are filled in at a time of great stress. But you don't need to worry that you might miss one out.