This week I am filing for bankruptcy. This is an effort to draw one final line under all connections with my former husband, and get rid of a bill of fifty-something thousand pounds.
Debt isn't something I am comfortable with. I have pretty much always tried to be careful to only take out credit if there was no other alternative- so in the main apart from some hotel expenses for business trips that I have had reimbursed, this is just my car loan, and my former address. The car was paid off three years ago, so the only outstanding debt is the shortfall between the cost of buying my house in Bradford and the resale value once I had vacated the property and had it repossessed. It hasn't been an easy road to get to this point.
At least in my case all the debt problems are concentrated into one single bill- I have tried very hard to make this the case. It is only due to my health and employment status that I am taking this path. I don't advocate this course of action for anyone lightly, and would advise against it in more usual circumstances.
The most surprising factor in all this is how expensive it is to get yourself declared bankrupt.
"here look at me, I have no money left, oh except this fee, which would go nowhere to touch the amount owed."
I am working hard on my mood to not let this get me down, and just to try to enjoy the time I have to its fullest, and make some plans for the future. I can't say it is without stress, but I don't think I am doing too badly considering. My friends and family have been awesome this week in treating me for my birthday, so I know I am blessed.
Sending best wishes to anyone reading this who is experiencing money troubles, its a tough situation for us all in our own way. Lets hope this year turns things around in all sorts of positive and surprising ways. xx
No comments:
Post a Comment