I can't believe I am here again.

iVillage Member
Registered: 06-19-2006
I can't believe I am here again.
2
Mon, 06-19-2006 - 6:43pm
I filed for a Chapter 7 Bankruptcy several years ago and I am now in the process of filing a Chapter 13 Bankruptcy. After I moved from California to Washington state my life went into an absolute tail spin, I quit my job to move up here with my boyfriend who I am no longer with. I found myself spending more and more time at the casinos, it was social at first but took a horrible turn. I was fiscally responsible after my first bankruptcy and I was on my way to getting everything back together. I got into a horrible cycle of gambling away my entire paycheck, then having to borrow more money to catch up. I have pawned everything worth anything, I am in the process of selling a piece of property I have and I am also waiting for some inheritance money. My credit card debt is fairly manageable, what has hurt me the most are Payday loans. I owe absolutely everyone, I have moved into the cheapest place I can find which is a trailer park. I am swimming in more debt then I can handle, up to $14,000.00 now. I make $33,000 a year in a job that is ending in October. I am only 23 and I feel like I have ruined my life. I feel like I will never own a home, I will never be able to buy a car. I just want to cry constantly. I don't know what else to do, because these payday lenders all want immediate payments of 200-300 dollars each, every payday. I try to leave cheaply but I just can't do this anymore, ever since I got a hold of the BK attorney and retained his services I have been able to fend off the collectors, it is the first bit of relief I have had in months. I am still having a hard time going down this path but I feel like I don't have a choice. I am going to therapist sessions, I go to Gamblers and Debtors Anonymous. I have managed to stop gambling, lottery tickets everything. I know this is my fault and I feel like an horribly irresponsible person, but am I doing the right thing? Is there any right thing to do in this sort of situation. Thanks for letting me vent...
iVillage Member
Registered: 05-09-2002
Mon, 06-19-2006 - 10:25pm
You will be ok. You are on the right track! Better to have this happen at 23 than years from now. You have time to recover! And you will build up your credit and own a home someday. It will just take time but it will happen. You are taking the steps to be financially healthy by going for group therapy and you should be proud. Keep your head up and be gentle on yourself. Afterall, we are all only human...
iVillage Member
Registered: 01-06-2005
Tue, 06-20-2006 - 12:01am

Hey girl!

 

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