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"How To Win A Credit Card Lawsuit" Discussion

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Upsolve Community Member

Feeling like a failure. And scared and nervous.

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Community Replies:

Upsolve Community Member
It's ok to be scared and nervous and feel the way you're feeling. Know that you're not alone and you're not a failure, even if it feels that way at times. 

Upsolve Community Member
Laura, thank you so much for sharing how you feel. So many people here have been in your shoes. We're on your team and are rooting for your success! Please reach out with any questions! 

Upsolve Community Member
Laura, you're not a failure. This whole community is coming together to support you and other people in your shoes. And it's a big deal that you've made it here.

Upsolve Community Member
Laura, thanks for reaching out and telling the truth! When I first entered the world of Upsolve and filed Chapter 7, things couldn't get much worse in my life. We have been conditioned our whole lives that bankruptcy is a result of failure. I view it differently. Successful people succeed BECAUSE of their failures. As one of my mentors, Tommy Hopkins said, "I never see failure as failure but only as a game I must play to WIN".  The day you file, Laura, a new game will begin. As an Upsolve user, I am asking you to LOVE yourself. Give yourself a BREAK. The fact that you are here says volumes about you and the good news is that you are on the road BACK from very challenging times. I hate to sound like I'm preaching but it's TRUE --- YOU have taken the bull by its horns and DOING SOMETHING ABOUT IT, Laura! This Community is going to help. Imagine yourself 6 months from now, with lower stress; a smile on your face when you look in the mirror;  a FRESH START greeting you every morning. These words are so easy to write because I've been there, Laura, along with the torn and frayed nerves. Good luck and stay close. We will be here for you! :-) 

Upsolve Community Member
You are certainly not a failure, but I think a lot of us here can relate to that feeling of feeling like a failure. I often get frustrated with not meeting my expectations for myself. Each of us has our own unique path, and sometimes we have odd ways of getting to where we need to go. Things often look dark when we're experiencing them, but in the future when we look back we can see how those dark times were just slippery stepping stones that helped get us somewhere or helped us learn or helped us gain understanding or helped make us stronger or maybe they were just necessary to help someone else. People aren't failures. Failures are lessons. You are a person going forward and you just need a little help and we're here for you. You can be scared and nervous, but you'll get through it and we will help you. You're not a failure.   

Upsolve Community Member

My biggest debt is my student loans. I dont make enough money to keep up on my bills and be able to eat if i have to make payments. I would end up losing everything and become homeless. What can i do? I know people have been able to file and win if they can prove economic hardship. Just scared and nervous about doing it and my husband thinks its a bad idea. Not sure what i should do.

5 Reactions

Community Replies:

Upsolve Community Member
Hi Starr, so glad you're here! For student loans, there is absolutely no reason why you can't be in an income-based repayment program regardless of whether you file bankruptcy. Check out https://upsolve.org/learn/4-income-based-repayment-options-for-federal-student-loans/ in our Learning Center to find out more! 

Upsolve Community Member
Greetings Starr! Andrea W. is spot on. Millions are there having this problem.  I have been researching student loan debt and have developed a FREE online  "workshop" that covers the basics in making sure you have the optimum student loan for YOUR situation. The workshop is for people with Fed loans (the micro-course does not cover Private loans) and, in a nutshell, is a public service announcement for the Department of Education since it is the SIMULATOR you will find there that can be the first and best source of finding out what your monthly payment would be under the IDR program (as mentioned in Andrea's comment) options available to you. If you want to learn more about the Simulator, click on my profile pic and it will take you to a link where you can register for the free workshop. I also am keeping up with the almost daily movement on Capitol Hill concerning this crisis. Starr, let me know if you are on an IDR plan. Good luck! :-) 

Upsolve Community Member
Thanks so much for asking- lots of people come here to ask about student loans- really glad you're here and looking forward to seeing your other questions. 

Upsolve Community Member
Have you shared the article on https://upsolve.org/learn/pros-cons-filing-chapter-7-bankruptcy with your husband?  I don't know if he's open to learning more, but maybe discussing each pro and con separately could help the decision-making process. 

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