I know it’s still technically the holidays. I know I should still be “in the spirit” but…
I’m really not!
But just underneath the surface is the FEAR that I have made the wrong decision in filing that Chapter 13 and that I am going to be dragging my kid thru the mud with me for the next FIVE YEARS.
Sometimes I wake up in the wee hours and lay there wondering how I can get out of it. If I change and convert to a chapter 7 what would it cost, how can I get back current on the 2nd and 3rd mortgage, which I am sure would include incurred interest.
How will my credit look then, will I have a 7 and a 13 on it? What if, what if, what if?
You know what my problems are? I am indecisive and I can never see the big picture clearly. I don’t have enough information to make the best decisions, even if I research the hell out of a subject or issue. I can’t see the forest from the trees!
Then I end up fearful, sorry and nervous.
and so it goes….