Bankruptcy and Livin with it, my thoughts

Newdiamond

Hi all,
I'm a newbie to this forum and it is with great thanks to all of you who have posted on this forum that I have the courage to proceed with my BR. I have a date of 24th August at 9am and I am scared stiff. I have read with interest many posts on this forum and I know that I have nothing to be scared about, I suppose its the fear of the unknown but it is by no means scarier than the barrage of phone calls and letters from creditors demanding money I haven't got. If I didn't have this option where would I be and where would I end up? Whilst scared, it is with a sense of relief that I'm progressing with the BR, relief that this noose around my neck will begin to loosen and for the first time in years I'll be able to breathe again. I'm looking at my 17 month old son and know that I need to build a future for him and for us, material possesions mean nothing, it is his and our happiness that matters and whilst I'm being strangled by debt I cannot provide this happiness as it is all consuming, eating us up day-by-day as we sink deeper into the depths. My son doesn't deserve that, he deserves happiness, to have our undivided attention and know that we are doing everything we can to build him a secure future. If all that means bankruptcy then so be it. Like his little life is a clean slate upon which to document his adventures then BR can provide me and my family with a clean slate and we can thus document our adventures as a family.
For anyone going through BR now, I can totally understand the fear, apprehension and distress this route causes but take control, start with a clean slate and begin your adventures again. Life can only get better.

philnicandamy

Thats the nail on the head ND its the fear of the unknown & what you read here still gets you thinking the worse....bit of a let down on the day of court though its not 99.9% as bad as your imagining it could be...

GOOD LUCK on the 29th i'll look forward to seeing an update...one things for sure it's the best thing I ever did & its made my life change a ton!

Phil

MicheH

Aw, what a lovely post.

Just newly BR ourselves and although it was a joint decision we knew we had to do it.

We have two girls 4 and 1 and i'm desperate to make the transitions that we have forced upon them as stress free as possible but it's so, so difficult because we know realistically we can't live in this area any more.

We may have to move in with my mam or somewhere totally different and that is going to hit with my little girl starting school. I'm really upset by this but we have to do it because like you say, we want our children happy, living with a weepy, stressed out mam, shouting 'don't touch the phone' when it rings, a dad who has been to work all day, not to provide for his family but to pay £700 a month to creditors (I hate that bit!!!) really gets us all down.

Now it is time to find a house that we can turn into a home, close those curtains in the autumn and live like a stress free happy family, thats what bankruptcy has done for me. Now i'm crying but that's good, i'm crtiing because it's all going to be better, we're going to be snug and happy now.

headoutofsand

Welcome back ND, we were wondering where you had got to.

As Phil has pointed out, the court day is very straightforward and is nothing to get too excited about. It is not like a criminal court so no John Deed or Rumpole of the Bailey. You will most probably find others going through the same process when you attend;)

rog2

You have obviously thought long and hard about this, and yes, your son (and you for that matter) does not deserve the heartache that will, inevitably, ensue under your current circumstances.

In the words of the Judge at My 'High Court' Bankruptcy hearing:

'It sounds as if you deserve a fresh start.'

Good luck.

desperatetobedebtfree

Thank you for such a lovely post. Your words sum up my feelings right now and I know that BR is the way ahead for a brighter for my son and I. He is nearly two and I do not want him to have a stressed out depressed mum for a minute longer than necessary.

I hope that by wiping the slate clean he can grow up in a household free of the fear of the phone ringing or a knock on the door....

Newdiamond

headoutofsand wrote: »

Welcome back ND, we were wondering where you had got to.

As Phil has pointed out, the court day is very straightforward and is nothing to get too excited about. It is not like a criminal court so no John Deed or Rumpole of the Bailey. You will most probably find others going through the same process when you attend;)

Thank you. I have been struck down with the dreaded swine flu so my companion has been my bed over the last few days (quite nice to have some time in bed without my little boy jumping all over it).
I hope that anyone new to this site can take strength from this forum in the same way I have and begin to see the future as a bright shining new diamond (bit corny I know, not the reason I chose the name btw). It is totally reassuring to know that I am not alone.

headoutofsand

Newdiamond wrote: »

Thank you. I have been struck down with the dreaded swine flu so my companion has been my bed over the last few days (quite nice to have some time in bed without my little boy jumping all over it).
I hope that anyone new to this site can take strength from this forum in the same way I have and begin to see the future as a bright shining new diamond (bit corny I know, not the reason I chose the name btw). It is totally reassuring to know that I am not alone.

And there's me thinking something serious had happend.
I think I had it last week but who knows? I do not like the sound of the remedy so didn't bother the GP;)

rog2

headoutofsand wrote: »

And there's me thinking something serious had happened.

Swine flu sounds 'pretty serious' to me, hoos. :eek: :eek:

Hope you're better now, ND.