Today We Filed

So there it is. 

Today, the law office filed my Chapter 13.  I got the call that it was filed and they gave me a case number.

I thought I would feel like this:


But surprisingly, it felt more like this when I got the news:


But now its starting to feel more like this:


  • Is it the calm before the storm?
  • Am I going to be sorry?
  • Did I have a choice or options that I did not research?
  • What’s the next 5 years going to be like?
  • Will I make it?
  • Will there be any huge catastrophic events?
  • Have you gone thru this?
  • Are you going thru this? 

Holly cow!  Five Years!   I think I am going to go freak out now!


7 thoughts on “Today We Filed

  1. I’m here to follow your journey and root you on because I deeply admire your courageously honest assessment of your financial situation. You can do this! I bet it’s unnerving and yet a relief to have things spinning underway.

    …in solidarity, toward a brighter financial future.

    • Thank you so much. I am biting nails right now, had a sleepless night as well. It’s not something I take lightly and going it alone seems impossible. I appreciate the support and kind words. I love your site and visit it often! 😉 I am turning into a Scrooge too!

    • I so hope you are right. There are a million things that can go wrong in a Chapter 13, it is so long, but I hope that I can weather anything that comes my way. The one thing that can happen if I lose my job or health is that I can convert to a 7. But lets just hope not! I need to get rid of the 2nd mortgage and so hopefully, it will all go well! Glad you were able to get past yours. Stay tuned for a post on what do do with credit cards! wink!!!

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