Bankrupt for less than 5 Months - Discharged

scootw1

Richard_S wrote:

Another sobering thought, over 400 people commit suicide in this country in January of each year as a result of debt related problems. How many is that going to be this January with the situation having escalated in 2006, and what about subsequent years?

Oh yes, I feel really sorry for financial institutions.

I suspect a lot of suicides are due in part to ignorant people like backtomum. I know that I have come close three times due to an "ex-friend" of mine who couldn't keep his snide remarks to himself but delighted in telling other people.

Mike_St_Helens

BettiePage wrote:

Its nice to see that not being judgmental works both ways...:rolleyes:

Hang on a minuite.. Who am I being non judgemantal with ? Someone who states that people who are bankrupt should be ashamed for themselves and are not decent people. I have always supported anyones decision what ever it may be.

reality check me thinks...

BettiePage

Mike_St_Helens wrote:

Oh its Ok Rich.. They where shameless and undecent people.... The banks and peoples opinions on bankruptcy are far more important than peoples lives.

It makes me sad really.

No one forced them to take on the initial debt in the first place.

BettiePage

Mike_St_Helens wrote:

Hang on a minuite.. Who am I being non judgemantal with ? Someone who states that people who are bankrupt should be ashamed for themselves and are not decent people. I have always supported anyones decision what ever it may be.

reality check me thinks...

keep your biggoted mouths closed unless you can post responsibly and constructivly

. :rolleyes:

scootw1

BettiePage wrote:

No one forced them to take on the initial debt in the first place.

As has been said before sometimes it is reckless spending, sometimes it's bad luck with failed businesses etc. Don't make sweeping generalisations

Mike_St_Helens

BettiePage wrote:

No one forced them to take on the initial debt in the first place.

Not saying that they did for a moment. But it doesnt make you un-decant and you certainly shouldnt be ashamed of your debt.

lou031205

this thread is turning into a modern "Animal Farm"

"All DFW's are equal, but some are more equal than others"

The one thing that we all have in common is that we are, or were, in debt.

Why start divisions?

mjdh1957

I've never come close to suicide myself but I know the black despair that comes down when you contemplate the mess you find yourself in....

We're all in the same boat here, so why attack each other?

If you don't like bankruptcy, or think it's too easy, then don't attack the people who make use of the fact that it is there, legal and available for them. Go to your MPs and lobby them to make it 'harder' and more 'shameful' if you want to, but as the government has recently made it easier I doubt you'll get very far.

Mike_St_Helens

BettiePage wrote:

. :rolleyes:

Bigot :

One who is strongly partial to one's own group, religion, race, or politics and is intolerant of those who differ

Richard_S

lou031205 wrote:

As a newly bankrupt individual, I have to say that the arguments put forward here can be used both ways.

I declared bankruptcy so that my daughter can grow up with her mummy as her mummy, which is how it should be. I chose that my daughter would not pay the price for my debt.

Decency and shame aren't connected in any way. I had the decency to admit that I was out of my financial depth, and did have my share of shame. I had both.

Please don't criticise (some) bankrupts for saying "Poor old me, the bank leant me too much money", when in the same breath, you are effectively saying "Poor old me, I paid every penny back." You make your choice and pay the consequence.

I have had my eyes opened lately, and only since confronting our situation, have I realised the power of the "Small print" on TV ads. You have a women in a beautiful home with a beautiful family, saying "£25,000?", when the white writing at the top of the screen says "£47,800".

For those of you who didn't go bankrupt, I applaud you. In a few years time, you will be able to get that mortgage that the bank is offering for a great rate. I will have to declare that I was bankrupt in 2007, and will either get turned down, or pay an inflated rate.

I've accepted that as the price I pay for my choice. I wish I'd done it sooner. My daughter WILL NOT SUFFER for my mistakes.

Louisex

Hi Lou,

Well put, I'm sure you'll look back at some point in the future and be thankful that you had the courage to make what must have been a very painful decision.

In a lot of ways it's easier to succumb to the banks and agree a payment schedule that's detrimental to your long term health and welath. Then when you realise how you've been conned I suppose all you can say is "Well I had the decency to pay it all back"

All the best

Richard