Credit Time Out

I wondered if this day would come.
I valiantly perservered, (albeit with liberal outlays of cash from my significant other---who now wishes to NOT be of that significance anymore....sigh....)still, I scrimped many a month.
I resisted dinners and lunches out to the point of compulsiveness...even now, I wonder if people would pause in shock if I suggested a "lunch out" at work!
But it's come down to the "Big B".

BANKRUPTCY

There. I said it.
Even more...I'm doing it. Seen the lawyer. Had the chat. Crunched the numbers.
It's all there in black and white....'Tis better to file and give up than to continue to fight the losing, depressing, eternal fight with the credit sharks and the ex-husband's bad debt.'

I'm exhausted.

So what was the point of the past two years' struggle, I ask myself?
If I was going to give up after all(which, of course I wasn't planning to do until the knock out punch was delivered in the 9th round!)

It's not over yet...no point in getting overly optimistic.
The details are in the nitty gritty lawyerese of it all: Chapter 7 vs. Chapter 13.

I'd wring my hands...but ....well, I'm just not a hand-wringer, I guess. I'm more of a go to bed early--watch too much TV and try uselessly to sleep and forget...and hope that morning brings a happier perspective.

Though I'm not really holding out much hope....not yet anyway.

I'm just clueless enough, though to imagine maybe - just maybe - things will get a little bit better in the here and now. I figure all in all - what's the point of worrying about credit scores...when mine is already awful? Right?

One bill at a time.....
Here we go, kids.

Suzette