Wherever you look online, you are sure to find many resources who have the steps and tools you need to get out of debt. While I am sure that they are able to help you out, I wonder if they really understand the toll debt can take? Have they been there? I wonder even more so if they know what bankruptcy feels like. I am not sure that I feel I can relate to anything they say as they are not me.

You see, I am one of those people. I’ve declared bankruptcy. My husband and I have even paid off our current debt with blood, sweat, tears — and LOT of determination. I am sharing my story with you to let you know that there are people who get it. It sometimes helps to know that you are not alone and there really can be a light at the end of the tunnel (no matter how long that tunnel might be). Read the rest of this entry →

Hey, debt happens!

I have a personal confession to make, I used to be in debt. Actually to say that I was in debt would be an understatement, I was over $50,000 in debt and I was only 27 years old. Read the rest of this entry →