Nearly There!

christmas_baby

Hi everyone,
Well 55 days,9hours,25minutes to discharge & I am counting down every second. I never thought I would be in this position but I am & I will be stronger than before when I am discharged.
Like many others I buried my head in the sand for years, living on credit as my wages wouldn't stretch to pay even the minimum monthly payment's on my credit & store cards & payday loans. The stress of all my debts made me very ill & I sunk into severe depression & contemplated suicide a few times, thankfully my mum found out about all my debts & at first went ballistic as I had hidden everything so well but she was my life saver. We decided together Bankruptcy was the best option as I was ill & unemployed by that stage. Now my year is nearly up, it wasn't nearly as bad as I feared, Iv'e had no communication from my OR apart from a brief call at the start to verify a few details as I had no assets he said an interview wasn't needed.I'm still on prozac for my depression but I am on an even keel again & starting to look forward to my new debt free life, thank you to everyone who replied to my many posts this year & good luck to those of you who are starting or going through the BR journey, it isn't an easy decision to make & it isn't for everyone but it was the best decision I made at the time, I wish I had done it years ago but I was scared, stressed & frightened about what BR entailed, for me the fear of Bankruptcy was far worse than when it actually happened!:j

christmas_baby

Does anyone want to reply to my post? I would love to read any comments you may have.

aardyvark

well i totally agree that the fear of going BR is far worse than we imagine , so we live with the debts and nearly end up ill .
if anyone here is on the brink then i would say just jump in and do it , , ok i know that it lasts a year , and on file for 6 years, but hey ,
is it better to be a total wreck forever in debt ,
one thing for sure, for me anyways , i will never get into that position again , hard lesson well learned , but the relief when you do it , phew , took me a while for it to sink in that i was debt free ,
wow let me say that again , I DONT OWE ANYTHING TO ANYONE,
I AM DEBT FREE .
ah thats better .:)

Helpmeoutofthismess

Hi CB, the year goes quick doesn't it! I can't believe I've been discharged for 7 weeks now! Roll on September, I can't wait to search the insolvency register and not see my name on it!

I was in a pretty bad way 13 months ago, I was scared stiff of the postman, didn't want to go out in case I got accosted by debt collectors on my doorstep :sad: I couldn't believe it when national debt line suggested bankruptcy, it hadn't even occurred to me that I was in that much of a pickle! I never thought I would be able to get the money together but out of the blue, I was gifted it I was petrified of going to court but I knew I had to do it for my own sanity. Court was actually not scary at all! I felt humiliated because the foghorn clerk yelled across the waiting room for me to come to the window to collect my bankruptcy order :sad: the next hurdle was my OR interview but she was absolutely lovely!

Now I am discharged I feel 100% better! I was approved for a vanquis card last week. It's a small step but I finally feel like I am on my way up!

Roll on your discharge in 55 days!

H x