Here’s my confession…
I was scared and afraid…
I had no idea how to survive the emotional toll of bankruptcy with style when I went through it. Bankruptcy was the last thing I ever thought would happen to me.
After all I was doing everything the right way. I worked hard, payed my bills on time, and managed my money the best I could.
But things happened and I found myself in the bankruptcy court… losing everything I had worked so hard for.
Going bankrupt is a social stigma that I wanted to avoid at all cost. I did not want to be labeled as a failure and a loser. No one ever wants to go through bankruptcy if they can avoid it with good reason… it is hard, difficult and very painful.
I thought once I made the decision to file bankruptcy my troubles would be over; I didn’t realize what an emotional disaster it would create.
I remember the feelings like it was yesterday…
Even though I knew bankruptcy was a legal proceeding that would discharge my debts, it didn’t make me feel any better about myself once I filed. I found myself on an emotional roller coaster and mentally beating myself up.
The first time I contacted an attorney was agonizing and painful. To me, it meant that I was beat and a loser.
I felt like a financial failure and I was embarrassed.
I didn’t tell anyone about having to file bankruptcy, I didn’t want my family and friends to know.
This was my dark secret.
Don’t miss a word of what I am about to share with you…
Yes, bankruptcy is difficult and it will be painful as you work your way out of it, and get back on top of the financial ladder of success again.
Get over here and listen to this!
I want you to get what I am about to share with you here, because it can make your life much easier.
The first thing you must do is get a positive attitude about this whole situation. Bankruptcy is a way for you to wipe your slate clean and start over. Bankruptcy is not the end of the world.
You are not a failure. The only way you can fail is if you don’t learn the lessons from this experience.
It’s time to take notice of your finances and manage them better than you did in the past. Stop spending money you don’t have. Pay your credit cards off each month. Save the money for the things you want to buy instead of financing them on high interest credit cards.
Monitor your finances like a hawk.
Everything happens for a reason… and it is always for your good.
Look at this experience as being helpful and teaching you lessons to manage your finances better now. Get rid of the feelings of sadness and disappointment. Remember why you filed bankruptcy – so you could get rid of debt that you couldn’t pay back and get back on track.
Remember what I said early in this article…
Failure is only failure if you don’t learn from it.
You are a winner as long as you learn from this experience and apply those lessons to your life, starting now. Doing this means you only had a setback and not a failure.
Bankruptcy is only a tool to help you solve problems. That’s all it is.
Now you need to begin rebuilding your credit. Start by paying all your bills on time and in full. Getting a car can be one of the best ways to rebuilding your credit.
If you are in need of a new car give me a call at 720-266-4941 or email me and I’ll show you how to begin rebuilding your financial future.
Be patient as you rebuild your credit.
It is vital to your mental and emotional well-being to keep a positive attitude through this process. There is a light at the end of this bankruptcy tunnel… so keep walking towards it and do not stop along the way or give up.