Does anyone regret going BR?

Amethyst1968

I was wondering if anyone regrets going BR, most people say its the best thing to do. What do you think?

betterlatethannever

I certainly don't regret going BR, but it wasn't the best thing i could do, it was the ONLY thing i could do.
Its been hard, but i think i've come out stronger, wiser and having learnt one or two massive lessons that i hope to pass on to my DD and stop her making the same mistakes i did and to know the warning signs long before theres a problem.

tcalamity

when i was advised this was my best option, i was scared within two days i had a court day and the debt centre held my hand throughout the hearing. afterwards i waited for this rush of great relief, but i didn't get it. all i felt was glum, guilt, failure and more. i wondered what on earth have i done. it has taken me nearly a month to come to terms with the idea of br. i went back to square one when i had my or interview last week but that was not bad at all, i have no ipa and he hopes to put me forward for an early discharge.
my mood lifted after the interview but i struggle everyday with reasons of guilt ect. i should be over the moon apparently but i am not i have struggled with debt for 7 years and it is all from my exhusband so i feel bitter i had to do this.
i take each day at a time. its not easy, some days i am happy but not others. i still wait for letters and phonecalls. i am sure when this is all over in 11 months or less i may say "it was the best thing i did", but for now i do stuggle with the whole thing.

fermi

I regret getting myself into the mess whereby BR was the best option.

But the BR itself? No.

A_new_Start_2

This is just my experience and I know some have a harder time than others, but it was the best thing I've ever done.

I'm still skint but I have none of the stress of the phone ringing, letters every day, nothing.

I went bankrupt in 2005 and hopefully others will find that it really was the best thing they had ever done too.

fiveyearplan

tcalamity - guilt is a negative emotion and it won't help you. Why should you feel guilty if it was your ex husband's debt? I know this is easier said than done!

tcalamity

i too regret being in this mess in the first instance. i am 34 and i have 4 children(one is a baby) and 34k of debt, i hade been paying 3 years in a dmp and nothing came off the total it went up as the start debt was 31k.
any how like i said in 11 months time i will be saying"the best thing i ever did", my children needed their mum back, and i needed to be a fun mum again, not the wreck, depressed shell of my former self.
but the feelings is the hardest to get over when you br

tcalamity

i think it has built up over 7 years and not only guilt of the debt but the fact i felt like i was standing still but everything else was moving,this in turn affected my children, they knew i was sad and they did not have the real mum that i was

tcalamity

i think i finding it easier to cope with with every new day. i write my feelings down, it helps. i still dont believe i am debt free

debt_doctor

I went BR in Feb 06, It was the only way to deal with the situation in the end. I have never once regretted BR, I look on it as the only way I could regain control of my life, and I have.

DD

maxmycardagain

i feel angry with myself for getting into the mess

i feel angry for letting someone help me get into the mess (i wont give anyone £13K worth of credit again for sure)

but the events of friday brought home to me how short life is, and what a tentative hold we have on it, if i dont go BR soon i think ill go doolal.....