Hi all,
Well the debt has all become too much. I am now in the process of filing for Chapter 7 Bankruptcy. I am embarassed and ashamed that it has come to this. All I ever wanted was for my family to be safe, happy, and secure. I feel like I have failed my husband and my 2 sons. I have learned one thing for sure. If you are ever down on your luck, don't get caught up in the web of scammers and others who will find you. Believe me, they will find you one way or another. And they will take whatever they can from you. They will not care about you or your situation, or your family. These are people with no moral compass and they are evil and mean. Don't let depression or low self esteem get a hold on you. It will only make things more difficult for you. Most important of all, don't use Credit cards to pay your way through life. It's a trap that once you are in, you will not be able to get out of. I know this from experience and the credit card companies have broken me and my only option to fight them is Bankruptcy.