file for bankruptcy

I lost my job because I am sick so I haven’t been able to pay any bills and I really need to file for bankruptcy. I do not want to have to deal with judgments. (they garnish your wages eventually)
The crappy thing is is that you have to have $ to hire a lawyer and all that stuff.
I need to look into it more….

Sucks but it had to be done. I said it was “worth doing” but I resent that I had to since it was medical debt. I feel like I’m being punished for getting sick. But no matter. What’s done is done. Now I’ll be forced to live strictly on the cash I have on hand. And I do think THAT is worth doing!

I guess it’s not that I WANT to file for bankruptcy, but when looking ahead to other goals I’ve set for myself, mainly starting a family, I realize that these other things cannot happen until I get the financial situation under control. I know what everyone else means about not opening the mail, I have a pile of unopened bills staring me in the face! I don’t need to open them to realize the rough spot I’m in! I’ve now also resorted to screening all my phone calls so as to avoid the collections calls. Tomorrow I drop off the retainer fee at the attorney’s office, and can finally direct the phone calls in his direction, which for me, is step one in the right direction and a load off my mind for now!

I had my initial meeting with an attorney. I have lots of homework to do..a personal property assessment, and finding out the actual amount of money I owe at certain places that may not have reported to a credit agency. This whole deal is as much work so far as I feared it would be. When things got to their worst point, I had stopped opening mail because I knew they were bills or collection notices, and I couldn’t pay them. Luckily I did throw all that stuff in a box and I’m now having to go through and open them all and face the ugly truth about what a giant mess I am in. I cannot WAIT until this is over, and I can breathe again..and start over.