My mother, whilst at some routine appointment today picked up a glossy mag in the waiting room as one does to pass the time and it very pertinently fell open at an article about bankruptcy. This of course interested her, yours truly being an only recently discharged bankrupt herself.
The article was a dairy of a woman's descent into the 'delights' of the state of bankruptcy......I read avidly the tale of woe written obviously by a woman who feels much about the state itself and the process of attaining that state as I did/do. The article included her website address,
Ladies in the red which includes a blog, and of course I had booted up my lappy and was there in a flash!
The site is excellent, the girl has a sense of humour (you need it believe me) and I'm sure there will be much more to interest me over time but what really struck a chord with me was one line at the end of a post, a reference to those who tell we bankrupts that it is the 'easy way out'. Oh how right she was in saying it most certainly is not!! I have been told that very same thing by various sanctimonious individuals over the last year and have had more than one conversation with people who consider it to be an easy way out for themselves!
Believe me, if there is anyone out there in any doubt whatsoever bankruptcy is not the answer to your debt prayers, it is
not easy and it is
not fun and it is
not clever!
I promise you it is not, it is not easy filling out the reams of forms one needs to submit to apply, it is not easy when penniless to find the £475 needed for the application, it is not easy to sit in front of a judge, alone in a big courtroom and be questioned and judged, when all you want to do is hide in a corner and cry, it is not easy to have no credit cards for six years, no cheque book or ATM card for six years, to not be able to buy a home for six years, to deal with the stigma (and yes it still exists), to not be able to replace ones car despite it costing more to keep on the road in it's dotage than the purchase of a new one, to have to carry cash (if one has it) for emergencies,(try staying in a hotel overnight if you break down in the middle of nowhere when you have no plastic), it is not fun being unable to buy anything online, even insurances, car tax etc etc. It is not easy having a charge made against your salary, it is not easy losing your assets, fending off often rude and intimidating creditors phone calls up to perhaps ten times daily for months and months on end (even once they are aware
they are committing an offence by pestering you) and it sure as hell ain't fun wondering each time you open the door if it's bailiff's.
No sir,
it is not easy and it is not the easy way out. It is frustrating, difficult and soul and self esteem destroying......if you are ever tempted to go that route please, if you have
any other feasible option, take it!
....and for those that might be tempted to judge, yes I made mistakes, yes I made some poor decisions and yes I had a bit of bad luck but don't tell me I took the easy way out!