Decision made, i would like to thank

lilibet1

everyone on here for all the help that i have received during my time here, i have been here since Feb this year and i have learnt alot. I have asked the most stupid and insane questions worrying that i have done something wrong and will be in trouble with the OR. I have repeated myself asking these questions and i have probably annoyed people for my constant ditherting.

However, i always wanted to be 100% positive that BR is for me. I didnt want to rush it just to be rid of my debts, which TBH have partly been ran up by me not realising the mess i was in earlier. For the past couple of months, i have dragged it out thinking that a job would come. I have taken advise from CCCS CAB NDL and ALL say BR is for me because lets face it, I would have to get a very good and well paid job for me to clear my debts and it would take me years and my credit file is well a truly messed up now anyway. I cant see a way back for me unless i win 35,000 on the lottery which wont happen as i dont do it!

So I have decided that for me the best way forward is BR. I have even gone as far as saying i am going to do it on the first week of january 2011 and im going to book my appointment.

I have decided that date because mentally i have had a blip with my anxiety (although it only lasted a few days this time) and this year i want a nice run upto christmas without dealing with anything other than the phone calls which i ignore. Then the beginning of next year is a new start for me. I have my husband home this christmas for a whole week and this year is my turn to have my son (swop christmas' with ex) so decision made. A definate one at that.

So thanks everyone who has taken the time to help me so far. Im sure i will be here with even more questions as i proceed with my br.

With many thanks x

ontheroad_2

Good on you - I don't know about you, but even just making that decision to set a date with the court made me feel I was doing something positive about our situation.

Sunnylooloo

Hi Lili

Good luck with the next couple of months and you know where to come for advice.

take care and I am sure everything will work out for you

x

philnicandamy

Lili...well done on coming to your choice, I know over the weeks its been very difficult BUT rest assured your not alone took me a fair while before I decided on what to do but in the end? best thing I ever did

remember though...even though sometimes a question may seem daft to you..we'll always have an answer!

Good luck & look forward to updates as you get along

lilibet1

Good on you - I don't know about you, but even just making that decision to set a date with the court made me feel I was doing something positive about our situation. Yes on the road, i feel better for just having made a decision, almost like a weight has been lifted already....

philnicandamy

and once everythings out the way you'll improve day by day...bankruptcy is the last resort BUT after it all it will change you for the better

lilibet1

was trying to do something with my last post (tricky stuff with copy and paste) but i went wrong, anyway yes i feel better already for making the decision. I have spent so much time trying to sort things out but i just cant waste anymore time. If i had done it last feb when i knew i was struggling then it would nearly all be over and finished with. I had such a good credit score never missed any payments and everything was glowing with a 999 with credit expert, now i darent even look!!

I will always come here for advice as of an evening when i start to think, i can sit on here and feel like youre all in my own lounge helping me.

Thanks x

philnicandamy

Glad to hear you sound tons better though than you did...credit rating? pah wouldnt worry about it to be honest I know mine was the same but after a car accident loosing my job etc mine took a tumble

its weird what life can throw at you...but without the help & support of the guys & gals here it could have been a different story!

i can sit on here and feel like youre all in my own lounge helping me.

hmm...think how much you safe on tea & biscuits then!! :rotfl::rotfl:

lilibet1

oh thats true.......

thank you very much everyone. Right im going for my morning walkies...the dogs have their legs crossed xxx

Sunnylooloo

One sugar please...

As Phil says credit rating schmating...... I've given up - it was a real shock to realise how shocking mine was - but you know what I finally have money left each month now which I never had before.

x

confused76

hi there hun
i hope you feel more in control for deciding your route, it's good to hear you sounding so positive. it might feel a little scary but you'll be fine, claim your life back
no question is daft, ask away!
xxx