bankruptcy - not a bad thing

rog2

lucylocket39 wrote: »

ah well we're in good company then lol......or are we??

That's probably why the government cut the bankruptcy period to 12 months - they'd lose too much revenue otherwise.:rolleyes:

wilkster5

MARIADANCER wrote: »

I love the fact now, that when some rings me up saying, you owe us money. And I say im bankrupt, thier voice, just changes. One not so gentleman, was very bulsey on the phone, when i said bankrupt his voice changed. And i loved it. Im sick of people talking to me like im a child. And as it wasnt planned to do this. Like most people.

you seem fair pleased with yourself to be bankrupt, I totally understand that for some people life mishaps send them over the edge but having a dancing smiley beside your bankrupt date...you're takin the urine!!

wherediditallgo

wilkster5 wrote: »

you seem fair pleased with yourself to be bankrupt, I totally understand that for some people life mishaps send them over the edge but having a dancing smiley beside your bankrupt date...you're takin the urine!!

I don't agree. By the time most people decide to go BR (& sometimes it's not their decision, it's a decision made by their creditors), their lives have undergone a lot more than "life's mishaps" - they've had relationships fail or become very close to doing so, have lost jobs, have difficult relationships with other members of the family like their children either because they're keeping their financial problems from them or have told them about them & they aren't getting the support they need. I know only too well what it's like to get a load of mail through the post, & every single item either be someone chasing payment or junk mail about pizzas. I know what it's like to be at work & get calls from creditors, or be at home & get a call just at a time that you really can't have the discussion.

There are loads of other things that go with the build-up of debt problems that lead people to decide to go BR, & when they do finally make the decision (after worrying about the stigma, how to go about it, what the fall-out will be from it etc) it's a big relief. So if someone put's a smilie after their BR date, it's not smiling at becoming BR as if they've attained one of their all-time goals, it's a smilie at having finally been able to do something about their debts & move their life forward. To be free of stress from debts is something to smile about, & as long as they got that way without committing crime, I don't see anything wrong with it.

savagevixen

wilkster5 wrote: »

you seem fair pleased with yourself to be bankrupt, I totally understand that for some people life mishaps send them over the edge but having a dancing smiley beside your bankrupt date...you're takin the urine!!

I can easily see that perspective, if you pop over here and take it at face value it may seem flippant and p**s taking, but nothing could be further from the truth and if you take the time to delve a little further you will easily see that.

desperate_mum_3

how can anyone think we take this BR easily .... admittingly it is easy to actually do but certainly not any easy decision to make ....it really is that last resort for everyone .... don't feel ashamed feel proud you are still alive and getting on with your life ...debt free ..