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Since the discharge we have held our heads up high and have even obtained a credit card (high interest/low credit limit, of course). We’ve become very focused on paying our bills (on time) and trying to save any money (when ever we can). I am still working (thank God), both of our kids will be in school this September and my wife is 5 classes away from finishing college. That means we’re months away from dual income and getting out of this hole.

We’ve learned to live within our means. We now cut coupons and print them from the internet. We only buy items that are on sale and NO MORE unnecessary purchases. “Period, End of Story” a quote from Kate Goslin (Jon & Kate + Eight).

Yesterdays news wasn’t as exciting. Actually, it was our first big reality check that we’ve filed for bankruptcy… we’re bankrupt!

We received the following letter:

You have authorized New York State Higher Education Services Corporation (HESC) to obtain your credit history to determine eligibility for federal financial aid. To qualify for federal financial aid, you must meet certain eligibility requirements, which includes a review of your credit history, The information contained in your credit report indicated for federal financial aid is denied for the following reason:

DENIED - THE BORROWER HAS A DEBT DISCHARGE IN BANKRUPTCY DURING THE PREVIOUS 5 YEARS

I don’t even need to tell you the hurt and pain that my wife is feeling. She literally is 5 classes away from finishing college, doing something for herself and getting a job that she has intrest in. Now, because we struggled and couldn’t pay our bills on time, because we did what many other American’s are forced to do we’re back to square one.

Based on her student loan paperwork, we will receive our first bill 6-month’s after she stops going to school or no longer needs to borrow money. That means in 6 months we’ll be hit with another (large) monthly bill. Here’s the question I woke up to: does she not do her internship for this year (that is required of her to graduate)? Does she just get a job to pay off the student loan bills for the career she won’t pursue?

I know I sound gloomy and I realize it’s only Sunday and that I haven’t spoken to anyone on this matter but man does this suck! How the hell are you supposed to get by? We will make all of our necessary phone calls tomorrow and this week… hell for as long as it takes till we figure this out.

I promise to post more later in the week as we hear more or come to some decisions.

Thanks for reading, I hope it helps… sure did help me to vent

- Joe

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