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So, it's been an almost three year battle with me filing bankruptcy - pro se, no less - and I finally filed in January and managed to make it through all the paperwork, forms, notarizations and classes on my own. I live in NJ and they have a VCIS (Voice Case Information System), where you can call to get automated information on a case and its status.

According to the VCIS my case was discharged yesterday, on April 30! I know for some people that's not going to mean much, but for me that's huge - I had nearly $50,000 in debt - mostly credit cards.

I learned my lesson and now I only buy what I can afford with my debit card, and only if it fits into my budget.




I really wouldnt call this winning....

Sub: #1 posted on Sat, 05/01/2010 - 17:33

SOAPLADY SOAPLADY
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Perhaps you wouldn't, but I would, when I had to live on less than $20 a week for food and was so broke sometimes I couldn't make it to work - and that was when I was trying to make enough to pay the minimums on my debts.

So, yes, this is winning for me. I had to own up to my debts, reconcile that I didn't have the financial means to repay them, and then go through the court system alone and get my case discharged.

As I said, maybe not to you, but for me it is a win. Today is the first day of my Fresh Start.

Sub: #2 posted on Sat, 05/01/2010 - 19:06

mvezza mvezza

(Posts: 67 | Credits: )

Congratulations, I totally understand where you are coming from. :)

Sub: #3 posted on Sun, 05/02/2010 - 08:17

Shazzers Shazzers
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(Posts: 17345 | Credits: )

[QUOTE=mvezza;693285]Perhaps you wouldn't, but I would, when I had to live on less than $20 a week for food and was so broke sometimes I couldn't make it to work - and that was when I was trying to make enough to pay the minimums on my debts.

So, yes, this is winning for me. I had to own up to my debts, reconcile that I didn't have the financial means to repay them, and then go through the court system alone and get my case discharged.

As I said, maybe not to you, but for me it is a win. Today is the first day of my Fresh Start.[/QUOTE]

I do agree with you. Some needs to be in your shoes to understand the situation. Its very easy to write some thing but the person who went through it knows how difficult it was. lot of cheers to you!!!!!!!..

Sooner or later you have learned the lesson, so know you know how to go ahead from here. So all the best for your future. :D

Sub: #4 posted on Sun, 05/02/2010 - 08:19

Peter Simon Peter Simon

(Posts: 60 | Credits: )

[Perhaps you wouldn't, but I would, when I had to live on less than $20 a week for food and was so broke sometimes I couldn't make it to work - and that was when I was trying to make enough to pay the minimums on my debts.

So, yes, this is winning for me. I had to own up to my debts, reconcile that I didn't have the financial means to repay them, and then go through the court system alone and get my case discharged.

As I said, maybe not to you, but for me it is a win. Today is the first day of my Fresh Start. [/QUOTE]]

Thats some great work you did out there and truly its not always about winning materialistically its is about what is we call the concept of winning you came through real hard times and now you are back up it was really good to have stories like these from our members and the best thing is that you have learnt your lesson

You did win and i am glad to confirm it now you can start life again and i am happy for you

Sub: #5 posted on Mon, 05/03/2010 - 17:04

Adam. Augustine Adam. Augustine

(Posts: 65 | Credits: )

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