Somewhere I heard that most of what we worry about never comes to pass. Where today’s meeting was concerned, that statement was only partly true. The trustee did, indeed, require me to turn over my tax return. Since it is a size able sum and since turning it over now means I have nothing to pay my state tax bill with, this doesn’t exactly give me the “clean start” everybody who promotes bankruptcy (read those who make money off bankruptcies) says I will have. In addition, the out of pocket medical bills just showed up in the mailbox today. Woo. Hoo. Juggling all these bills with so few resources just becomes a domino effect of holding bills to pay other bills and so on. So, instead of being able to catch up, I will have to keep playing this crazy financial catch up game for a while longer. The Hesitant Boyfriend really needs to get some steady work.
Needless to say, when I left my meeting today, which lasted all of 15 minutes, and wherein no relevant questions germane to my situation were raised, I was angry. After all, every one of my creditors has already made a fortune on my debt and the astronomical interest I paid on that debt over the last 10 years. As for the mortgage company, they already got their bailout. Why can’t I get mine? Yes, I was definitely angry. I feel my attorney should have communicated with me far better than he did. The things that impacted me, which should not have, were amateur oversights and could have been prevented had he been a bit more communicative of the process. After all, I’ve never done this before, so I didn’t know.
Anyway, I’m sufficiently over it. In two months my debt will be discharged. I can begin rebuilding my credit and turning my net worth from a negative number to a positive number. It does feel good to finally be done with that episode of my life even though it didn’t go the way I’d hoped.
I’m now ready to let this go and move on.