I finally pressed the big green submit button for our online bankruptcy application

LoveLifeAgain

So pleased for you Kerry, I agree that being totally honest is the best and only way. It must be such a relief for you all, you can now enjoy family life without the stress and worry.

Kerry511

Definitely!.......... Through the whole process we kept telling our selfs " we must be punished for getting into all this debt" but it soon became apparent after much advice that actually "we fell into a nasty cycle with big bad companies that even after you pay them back they are still chasing you for excessive interest applied" No matter how hard we tried life just got in the way "falling pregnant, recession, new relationship, job loss" ....
It seemed like it was never going to end!
But honestly I wish I had done it years ago instead on wasting 4 years in a dmp that was always going to fail due to the amount of debt! That with a spiral of defeat, depression and guilt lead to gambling (which was a bad idea and very silly) but at the time "your just not thinking clearly and to a point "don't care" as you feel defeated.....
The official receiver had to ask questions and be blunt at times, but the service was amazing and he knew his role so well!.......
Time for a fresh start and for the first time in a long time I feel great!... Getting into debt has been a lesson learned and somewhere I will not be going again!.....
we are all human and cannot predict the future, sometimes we just need a second chance to help make the right choices....


Hope this helps someone else out there like us as this forum and the insolvency service have been fad through out! Xxx