I can't believe I am here again.
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I can't believe I am here again.
| 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...

Hey girl!