Each of us lives only now, in this brief instant. The rest has been lived already. So make the most thoughtful choices you can today that will lead to a better future.
Steve's Thought of the Day
Stop drifting and hoping a magic solution will appear. Instead, you can participate in rescuing yourself. Find peace by pursuing facts through trusted advisers and research rather than the blind trust of salespeople trying to sell you something by almost any means necessary.
Steve's Thought of the Day
Make decisions to deal with your debt with logic and facts, not assumptions, and worry about what other people will think. People who judge you will soon be forgotten. Nobody thinks about anyone that much.
Steve's Thought of the Day
The world is nothing but constant change. Your life is only a perception. Choose a way out of debt based on facts, not assumptions. Do what is best for your future because those that judge you will not feed you.
Steve's Thought of the Day
Do you have a greater responsibility to repair your financial past or your financial present and future? Make good choices that allow you to tackle your debt and immediately start building your emergency fund and saving for retirement. Tomorrow will be here before you know it. Lost time is a sin.
Steve's Thought of the Day
There is no sense in wasting a perfectly good financial mistake. Instead, learn from it and do better moving forward. The past is gone. Turn and face the future now.
Steve's Thought of the Day
Those who judge you for past financial mistakes are not your friends. So don't make choices about your future out of fear of what they may think. Instead, make choices based on truth, fact, and what is best for you moving forward from today.
Steve's Thought of the Day
Don't believe everything you think. Challenge your assumptions about getting out of debt. Do what is best for you, not others.
Steve's Thought of the Day
Is it less moral to file bankruptcy or to not take action that leaves you old, broke, hungry, and dependent on others?
Steve's Thought of the Day
If bankruptcy is so bad, why did our Founding Fathers specifically include it in the U.S. Constitution as protection for financial difficulties?
Stop listening to people that say bankruptcy is a last resort. It is neither first nor last. It is a tool like credit counseling, debt settlement, and others. For the best result, you need to use the right tool for the job.
Steve's Thought of the Day
People that tell you to avoid bankruptcy want to sell you something else are repeating something they heard or do not know what they are talking about. Get the facts and then make your own decision. Don't let an unskilled script-reading commissioned salesperson make life decisions for you.
Steve's Thought of the Day
Debt problems are like fingerprints. No two are alike. A one-size-fits-all solution will give you a one-size-fits-all result. You deserve better.
Steve's Thought of the Day
You are not your debt. Your value, self-esteem, and existence should not be defined by the money troubles you may be facing right now. Debt problems are solved with proper action, not guilt, self-hatred, and disgust.
Steve's Thought of the Day
Debt is nothing more than math wrapped in emotion. The math is easy, the emotional part leads us to do impulsive things. Not the right thing.
Steve's Thought of the Day
What type of money personality do you have? It is important to know. Take my online test now and discover how you unconsciously deal with money, credit, and debt.
Steve's Thought of the Day
How much retirement savings are you willing to throw away by dealing with your old debt instead of preparing for your financial future? Find how much you will lose by making the wrong choice. Use my online debt repayment calculator now.
Steve's Thought of the Day
Does it make more sense to ask for life-altering debt advice from an unskilled and untrained commissioned salesperson in a call center or an experienced debt coach like Damon Day that provides a customized solution for money troubles?
Steve's Thought of the Day
My Bankruptcy Case Has Been Filed and I’m Scared. – Traci
My bankruptcy case has been filed and I will be going to the meeting the the trustees in a couple of weeks. I did alot of cash advances and alot of withdraws out of my account. I am afraid they will think I am being fraudulent and not discharge anything. I am very scared!
What is going to happen to me? I made a lot of mistakes and let people take advantage of me and my money. I let it happen to myself it is my fault.
Traci”
Dear Traci,
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Your bankruptcy attorney would not put forward a case that he or she did not think would be accepted.
So let’s deal with this head on. By your own admission you made some bad choices and screwed up. The best thing you can do now is to learn from their mistakes. As I always say, “There is no sense wasting a perfectly good mistake.” Learn from it and don’t make those same mistakes again.
The fears you have are real in your head and scare you. But what you should do is call your attorney, discuss your specific worries and let your attorney calm you nerves based on his or her experience with the trustee.
2 thoughts on “My Bankruptcy Case Has Been Filed and I’m Scared. – Traci”
I am terrified of the trustee. My husband lost his job 18 months ago as a construction manager. All of our investments were in real estate. We used credit cards to stay afloat. We are losing our home and the I am afraid the trustee does not believe us. We have provided a 4 inch thick binder of finacial records dating back 6 years. I had an inheretance from my parents that involved a settlement, she thinks i gifted them money. I have the court documents that prove that is not true. Additionally, I am afraid that my estimates are too low on my exemptions. We are over 12-15 thousand under the amount allowed, but I am afaid that my estimate is too low, she will not allow the bankruptcy, and I will go to jail. I am a 64 year grandmother. I am suicidal. I cannot go to jail.
I am terrified of the trustee. My husband lost his job 18 months ago as a construction manager. All of our investments were in real estate. We used credit cards to stay afloat. We are losing our home and the I am afraid the trustee does not believe us. We have provided a 4 inch thick binder of finacial records dating back 6 years. I had an inheretance from my parents that involved a settlement, she thinks i gifted them money. I have the court documents that prove that is not true. Additionally, I am afraid that my estimates are too low on my exemptions. We are over 12-15 thousand under the amount allowed, but I am afaid that my estimate is too low, she will not allow the bankruptcy, and I will go to jail. I am a 64 year grandmother. I am suicidal. I cannot go to jail.
Julie,
You are not going to jail.
If the trustee acts unfairly and you want to file a complaint against the trustee you can do so here.
Steve