Hi C-B. It took me 10 months to come to my decision, although one could argue that is too long and some may not have the same amount of time afforded to me.
My circumstances were always changing and I found it very difficult to understand my position, never mind try and explain it to others.
Whenever I thought I had a solution, I found myself wondering what if......
Eventually I accepted IVA, but just as I was about to commit, my fluid situation again prevented me going forward.
I finally decided that I couldn't continue asking questions of others and then looking for better alternatives. I needed stability and peace of mind so I opted BR. My court hearing is next week.
Bankruptcy is not the easy option it sounds and it may not be plain sailing for me. Things may become bumpy along the way, but at least I finally came to my own decision and I can now plan for the future.
I was assisted greatly by some of the lovely people on here. They didn't give me financial advice and they didn't tell me what I should and shouldn't do. What they gave me was gentle encouragement to do what I thought was right, and because the most had written blogs from their own unique experiences, I found reading those invaluable in that they enabled me to ask questions of the only ones legally permitted to give such advice, the professionals.
As others have said, take your time and look at all your options and alternatives. When you finally make your decision it may not bring instant relief or peace as it brings its own self doubts and problems.
But you will work through these and the fog will lift. You will only know then if that decision was correct for you.
That all seems a bit vague, but I'm sure everyone goes through the thought process that you are currently experiencing. If you do not take professional advice to help you fully explore the potential of every option, then you might always doubt your decision.
Last edited by scirocco
on Mon Sep 06, 2010 10:46 pm, edited 1 time in total.
He is your friend, your partner, your defender, your dog. You are his life, his love, his leader. He will be yours, faithful and true, to the last beat of his heart. You owe it to him to be worthy of such devotion