Filing for Bankruptcy Chapter 7? What To Do – MY STORY

Happy Sunday! 🥰

So, this post was meant to be shared a LONG while ago, but life definitely got in the way. While it is not directly a mental health post, finances play a huge role in our mental, emotional, physical and even spiritual stability and happiness. When your money isn’t right, it can feel like nothing else is either.

I filed bankruptcy (Chapter 7) in May 2019, and was discharged in October 2019. I had a considerable amount of credit card debt and a stack of hospital-related bills as well. I also had a car lease that I could no longer afford, so when I did my research on bankruptcy’s pros/cons, I made the decision to seek a way out.

While filing for bankruptcy certainly isn’t for everyone and I don’t recommend that it be your first option to debt relief, if it comes to this point, I wanted to share some tips on what to do once discharged and what life can look like during and AFTER filing for bankruptcy.

I will be sharing my mistakes (Dear Lord, I made so many!) and lessons learned throughout this journey and process. I will discuss the things I did and am doing that helped my credit score to increase by 200+ points after my bankruptcy was discharged as well. I am still in the process of building my credit, so as a regular person who has been down this road, I am excited to share with you what I have learned, the do’s and DONT’s (if you can help it) and how to begin reestablishing your credit after the dust has settled.

This post will go up 2/29/20 8 PM ET, and I’ll be sharing some super helpful resources and links to other articles for you to check out that discuss building a poor credit score, if filing for bankruptcy is right for you, and how to maintain self-care during filing for bankruptcy as well (yes, this is important and matters, too)!

Stay TUNED 💃🏻💅🏽

If you have any questions, drop a comment below! This discussion is well needed to be had, and I’m happy to share my story with you.

– Until next time ❤️

Stay tuned

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