All has been quiet in the bankruptcy progression recently, up until a meeting at our laywer's office last Friday. In just under an hour, we signed a bunch of documents to 1) protect our home and vehicle loans and 2) start the discharge process on the credit card debt.
Our lawyer's legal assistant is so sweet and spent some time talking to us about how this will be a "fresh start" and that there's not the stigma to BK as there has been in the past. Um, well, there's still a stigma in my mind, and it's making me quite anxious and on the verge of tears lately.
Also, the process is not cheap. We ended up paying $1,500 up front on Friday. That's a $299 filing fee and $1201 to the law firm (from whom, apparently, we're getting a discount). Also, we are required to go through a two part credit counseling session, with each part priced at $50.
So where'd we get essentially $1600 for all this crap? Borrowed again from the Bank of Mom.
When I called to make an appointment for the credit counseling yesterday, I was pleasantly surprised to learn that we could do it over the phone by calling a toll-free number instead of schlepping to an office an hour away. However, it kind of feels like something this company does just so they can say we're satisfying the requirements - it almost feels like there's not going to be any effort put into it.
Oh, well, I guess we'll see on Thursday night when we call in.
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