Bankruptcy

[mcan]

Originally Posted by Demonpenz

when i was having my credit problem i went to a self help group (which was surprisingly cheap 30 bucks a week or so). some of the steps were

1.) admitting that it wasn't your fault this happened. Credit companies use preditory tactics to seal your fate.
2.) trusting a higher power to get yourself out of debt
3.) Try to hold on to as many things you worked so hard to get.
4.) Reconize the kindness in others to help you get out or DON'T BE AFRAID TO ASK FOR HELP!

Well, I should have known better. I didn't have the money, and thought I was going to be a rockstar (not literally) in a few years. Stupid. But I def agree that the credit card companies have dicked me with interest rates and penalties. I paid them for years without ever using it and never even made a dent. As for holding on to the stuff. The stuff is all gone. I sold some of the bigger items to pay for my move and some stuff I had to pay off when I came home from college. Had to sell stuff quick and cheap too. (instruments and electronics). As for asking for help... I guess that's what bankruptcy is for. And I certainly wouldn't be the first. But it's embarrassing to have gotten so far behind the 8ball. My debt is quickly going from nuisance, to problem and now I'm afraid it's going to wind up being a "gateway to a shitty rest of my life" if I don't act on it now.