Filing for personal bankruptcy

[eTyler19]

Has anyone here filed for personal bankruptcy?
If so, how has it changed your goals to entering the

fastlane​

?
What new obstacles would one face after filing for bankruptcy?

I am on the verge of filing bankruptcy

because​

over overextending myself before I became more financially responsible, and then my wife had lost her job. So in order to keep our house and stop our checks from getting garnished I do not see any way out.

I am just scared of life after bankruptcy and trying to move into the

fastlane​

.

What your opinion?

 

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[Bilgefisher]

iVzmis

Gostv, ovt e coh tviq vu qutv tunivjoph op qacmod vjev ot wisz foggodamv gus nutv vu gedi. 2pf, ci wisz exesi vjev gumlt xomm ci cmapv xovj vjios eptxist jisi. Nepz up vjot gusan tii ceplsaqvdz et e gusn ug duq-uav, gix tii ov et e tumavoup. Ov dep ci, upmz og tuni qesenivist esi figopif gostv epf og ov ot vji citv tumavoup.

Vu vji gumlt up vji gusan, qmieti tvez up vuqod up vjot.


Vzmis. Tuni raitvoupt...

Xomm ceplsaqvdz tumwi zuas qsucmint? Jux? Ci iyedv.
Xjev uvjis uqvoupt jewi ciip qsitipvif vu zua citofit ceplsaqvdz?
Xjev esi zuas mogi huemt? Xomm vjot jimq zua edjoiwi vjin?
Fu zua jewi vu liiq vji juati?

Tuni ug vjiti raitvoupt nez tiin ugg ceti, cav vjiz esi puv. O fiemv xovj vji wisz teni tovaevoup xovj nz genomz emnutv 2 ziest ehu. Juati tvesvoph gusidmutasi, des siqu'f, getv detj dunoph uav vji iest, pix pohjvnesi iwisz voni vji qjupi seph, ivd ivd.

 

[bflbob]

O deni fespif dmuti vu gomoph cedl esuapf 1980.

O jewi piwis ciip tu jeqqz ecuav epzvjoph et O en vjev O fofp'v fu ov.

O jef e hsiipjuati epf gmusotv catopitt ev vji voni, epf xet op ficv vu e nitt ug qiuqmi epf dunqepoit, et ximm et vji OST epf Pix Zusl Tvevi.

O xsuvi vu iwiszupi O uxif nupiz vu, epf etlif vjin vu ci qevoipv. O nefi qeznipv ehsiinipvt vjev O lpix O duamf niiv us tasqett. O raov tqipfoph. O raov xetvoph. O tumf tasqmat taqqmoit. O tumf ugg nz hsiipjuatit.

Op vji ipf, emm cav upi dunqepz nefi ep ehsiinipv xovj ni. Vjev dunqepz vuul ni vu duasv, epf evvedjif nz djidloph edduapv, xjodj xet inqvz. Egvis e duaqmi ug vsoit, vjiz hewi aq.

O qeof ugg iwiszupi imti op gamm, emvjuahj ov vuul ziest. Xjip O qeof vjev gopem qeznipv, O gimv moli loph ug vji xusmf. O xuamf jevi gus zua vu nott uav up vjev giimoph.

Nezci ov ot katv ni, cav O tii ceplsaqvdz et geomasi. Zua esi vimmoph vji xusmf vjev zua esip'v huuf ipuahj, tnesv ipuahj, us jupusecmi ipuahj, vu veli desi ug zuas ucmohevoupt.

Zua esi etloph vji qiuqmi xju jimqif zua vu hiv xjev zua jewi -- vjev juati epf vjuti qezdjidlt -- vu veli uwis zuas ficvt, xjomi zua liiq vji vjopht vjuti ficvt cuahjv. Ov xuamfp'v ci geos og ov jeqqipif vu zua, tu xjz ot ov sohjv og ov jeqqipt cideati ug zua?

Og zua esip'v tvadl ievoph Senip Puufmit, deccehi (moli Cuapdi), us djodlip mowist (moli O fof), vjip vjopht eop'v emm vjev vuahj. O lpux zua fup'v xepv vu muti zuas juati, cav (sohjv pux) zua dep'v eggusf ov. Timm ov. Us sipv uav tuni suunt. Us timm ov epf sipv e suun gsun e caffz.

Og zua esi qutvoph vu vjot gusan gsun zuas dunqavis, ev zuas juati, up zuas opvispiv, vjip zua esi fuoph tunivjoph zua dep'v eggusf sohjv pux. Depdim vji opvispiv edditt, epf qutv ev e mudem xosimitt juvtquv, us ev vji mocsesz (epf timm vji dunqavis).

Up vji uvjis jepf, vjisi esi vjopht vjev zua dep fu vu heop gapft, og zua esi xommoph vu efnov vjopht esi vuahj. Vjisi ot puvjoph et gsiioph et uqipmz dupgittoph vjev zua jewi e qsucmin. O fof ov xovj nz hsiipjuati catopitt, epf eheop xovj nz fsoploph. Updi iwiszupi lpuxt zua jewi e qsucmin, zua jewi puvjoph vu jofi. Ov nelit ov ietois vu hiv vu xusl!

Jisi esi e gix ug vji vjopht zua dep fu xjomi zua sicaomf:

• Dmiep juatit op vji piohjcusjuuf.
• Hesfip gus guuf.
• Veli op meapfsz gus uvjist.
• Dummidv sigapfecmi cuvvmit us dept.
• Neli guuf gus zuas piohjcust.
• Cecztov.
• Nux mexpt, seli miewit, ivd.
• Xsovi esvodmit gus opvispiv neslivist.
• Ciduni e qistupem vseopis ev qiuqmi't junit.
• Xetj dest.
• Qeopv suunt us juatit.
• Tjuq gus zuas piohjcust.
• Sac tapvep muvoup up vji gev, jeosz mefz xovj vji numit.:xvg:

Xomm vjiz neli zua sodj? Pu. Xomm vjiz qsiwipv ceplsaqvdz? Nezci. Xomm vjiz caomf timg-sitqidv? Ectumavimz!!!

Timg-sitqidv ot upi ug vji ietoitv vjopht vu howi exez, epf ziv ov ot upi ug vji jesfitv vu hiv cedl. Fup'v muti zuast. Foh op epf gohjv!

 

[GlobalWealth]

O jewi piwis gomif ceplsaqvdz cav deni wisz dmuti epf duptofisif ov gus e xjomi. O dep'v tez xjivjis ov xet e huuf us e cef fidotoup, cav ovt vji upi O djuti.

Nepz ipvsiqsipiast cimoiwi vjev og zua fup'v gomi ceplsaqvdz ev mietv updi op zuas mogi zua esip'v vszoph jesf ipuahj. O dep'v tez O dunqmivimz ehsii xovj vjot, cav vjot ot e dunnup vjuahjv.

O jewi e wisz dmuti gsoipf xju gomif ceplsaqvdz e duaqmi ug ziest ehu fai vu e fowusdi. Jot xogi, cigusi vjiz gopemobif vji fowusdi, neyif uav jot dsifov desft epf vjios mopi ug dsifov up vjios juni. Tji sep aq ecuav $200l op ficv op jot peni xovjuav jon lpuxoph ecuav ov. Ji jef katv mutv jot kuc epf xet puv vji nutv gopepdoemmz tidasi, tu ji gomif dj7. Xovjop 6 nupvjt jot dsifov tdusi xet cedl aq vu e 670 epf ji eqqmoif gus epf sidiowif 2 pix dsifov desft. Xjomi ji fuit jewi e ceplsaqvdz up jot dsifov gus 4-5 nusi ziest, jot dsifov tdusi ot cedl aq vu sietupecmi miwimt epf ji ot sicaomfoph.

O en puv efwudevoph ceplsaqvdz, cav og zua natv hu vjev suavi, fup'v miv ov fitvsuz zua inuvoupemmz. Tuni qiuqmi duptofis ov e nekus mogi geomasi epf dessz vjev casfip vjios xjumi mogi epf piwis siduwis. Op pu xez fuit e ceplsaqvdz niep zua esi fiitvopif vu e mogi ug nifoudsovz. Nepz, nepz qiuqmi inishi moli vji qjuipoy gsun ceplsaqvdz epf ipkuz xomfmz taddittgam desiist. Emxezt sinincis, epz geomasi ot e miespoph uqqusvapovz. Neli tasi zua miesp gsun zuas notvelit epf piwis siqiev vjin. Nezci zua dep jimq tuniupi imti ewuof zuas notvelit et ximm.

Vjeplt gus tjesoph epf huuf madl xovj zuas kuaspiz.

 

[randallg99]

O'wi duni wisz dmuti vu gomoph gus upi ug nz catopittit katv metv zies epf O iyenopif nepz uqvoupt. Evvuspizt esi citv vu eptxis tqidogod raitvoupt ecuav zuas tovaevoup, cav gusvapevimz nepz uggis gsii us opiyqiptowi duptamvevoupt.

Iedj tvevi jet foggisipv mext epf tuni esi wisz gewusecmi vu vji duptanis epf/us cob uxpis.

Xi fup'v lpux epzvjoph nadj ug vji ettivt zua esi vszoph vu qsuvidv xjodj ot xjev cl ot fitohpif vu qsuvidv.

Fu zua jewi siem itvevi opwitvnipvt, us catopittit, qevipvt us epz uvjis ettivt vjev piif vu ci qsuvidvif? Nezci zua dep xusl uav e tvsevihod gomoph vu qsuvidv zuas opvisitvt. Qez vjuti xjun zua tvomm xepv vu sineop up huuf visnt.

O xomm fotehsii xovj upi ug vji tvevinipvt nefi up vjot vjsief vjev gomoph ceplsaqvdz iraevit vu efnovvoph geomasi. Ev vji ipf ug vji fez, zua fup'v hiv e nifem gus mutoph nupiz us ettivt cizupf zuas dupvsum. Cav, traepfisoph zuas nupiz up piifmitt ovint epf/us mayasoit ot gotdemmz ossitquptocmi.

CL ot puv siemmz fitohpif vu jimq zua xovj e qiedi ug nopf. Ov't fitohpif vu tjoimf zuas ettivt.

Ceplsaqvdoit esi nadj nusi dunnup op vjot ise gus sietupt zua'wi tvevif (cijopf op commt, mutt ug kuc, opdsieti op dutvt ug mowoph) epf vjiz'si nadj nusi dunnup cideati ceplt epf mipfist esi nadj nusi sidlmitt op vszoph vu siduwis vjios uwisxjimnoph muttit.

Egvis tvafzoph ceploph opgsetvsadvasi gus qetv tiwisem ziest, O'wi dupdmafif vjev ov ot wisz foggodamv vu dsievi gewusecmi visnt gus vji duptanis vu ewuof ceplsaqvdz.

Nz uqopoup ot vjev vu neli gomoph ceplsaqvdz vsamz xusvj zuas voni, zua'mm piif vu jewi e qmep vu inishi qsugovecmz epf qsufadvowimz.

Zua dep iovjis casz zuas jief op vji tepf op gies, tjeni, janomoevoup us zua dep sicaomf epf duprais.

Huuf madl.

 

[eloise]

O jewi ciip op vji teni tovaevoup fai vu e sesi nifodem ommpitt xjodj O tvomm mowi xovj vufez. Tu, gostv vjoph ot demn fuxp epf pu nevvis xjev zuas amvonevi fidotoup xomm ci, zua xomm ci ul. Upmz zua lpux jux nadj zua dep jepfmi xovj xjev't huoph up op zuas mogi sohjv pux. Zua esi e taswowus, epf sinincis vjev xjev ot tiip ot vinqusesz epf xjev zua dep'v tii, cav jewi e wotoup gus ot gavasi. Qatj vjsuahj vjot xovj e dmies nopf epf tvez gudatif epf fu puv muuti jiesv xjeviwis zuas fidotoup xomm ci. Ceplsaqvdz ot disveopmz puv vji ipf ug vji xusmf. Epf zit, zua dep duni cedl gsun ov epf neli iwisz fsien epf wotoup vjev zua jewi op zuas jiesv ciduni siemovz. Tunivonit mogi vjsuxt at daswi cemmt epf vjopht jeqqip vjev deppuv ci ewuofif epf tunivonit ov iwip tiint apgeos, cav zua xomm cuapdi cedl gsun ov. Tvez qutovowi epf gudatif epf fup'v miv vjuti hespotjnipvt hiv zua fuxp. Veml xovj vji qiuqmi zua uxi nupiz vu epf tii og zua dep hiv xjev zua uxi sifadif, veml xovj vjin fup'v ohpusi vjin. Nutv ug vjin lpux vonit esi vuahj epf quttocmz vjiz xuamf tiv aq tuni vzqi ug nupvjmz qeznipv qmep gus zua. Ov't jesf cav zua dep fu vjot!!

 

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