bankruptcy, anxiety, depression

Because of an evil ex business partner who stole all the money and left the country, my husband was left with all the bills from the company. We had to file bankruptcy this week and we are going to lose our home. The paperwork for this has been a tremendous strain on us - mostly me. I'm about at my wits end. Perhaps I should be in the anxiety forum...I don't know.

I feel like I'm living someone elses life....like this can't be mine. I am not sleeping at all, and barely eating. I saw my psychologist yesterday....I can't see my new psychiatrist until early Oct. My old psychiatrist is gone. My GP is prescribing my psych meds now, until I get my new doctor. I also need to have surgery in early Sept. I can't work because of my fibro and depression/anxiety problems (still waiting on disability)....my husband does have a good job right now. He gets housing with his job, so we won't be left out on the street.

Has anyone ever gone through something like this? Was there anything you did get your anxiety level down? I do pray. I'm on edge all the time and can't seem to stop thinking about all this. It's so difficult. The vendors are ruthless and want their money. We don't have it. Our friend just got us a lawyer last week. Our friends are a true blessing.

Thanks for listening - I guess I just need some other input besides what's in my crazy head right now.

 

Hi MyJoy

I am so so sorry to hear of your financial predicament, as you have discovered there are some very ruthless people in this world and I am sorry that you have come across some.   I can  only imagine the stress you must be under but I am pleased that you have a mental health professional that you can turn to for help at this most anxious time in your life.

I was wondering if you made the trip to Australia and if so how did it go?  My husband and I will embarking on our trip to the US in early October, we are going to drive Route 66 and finish in Las Vegas, we are both very excited and looking forward to it immensley.

I hope things work out well for you financially, it doesn't seem fair at all that your husband has been left holding the baby so to speak.  I am very sorry for that and I hope you don't lose your house, that would be absolutely tragic.  Please let us know how you get on and try not to worry.

@harrington - Thanks for your kind words. No, we have not been to Australia yet. The trip is on hold right now as there needs to be a few more sales before hubby's boss sends us there. Perhaps in a couple of months.

@Karen - Thanks so much for your kind thoughts.

@Jamie - Thank you to you as well.

Joy,
I don't know how bankruptcy laws work in your country, but I know in the US that as soon as you file the case the vendors have to stop calling you if you tell them you have filed for bankruptcy. I'd check with your lawyer to see what options you might have for stopping the calls. There are also Consumer Credit Counseling services in many countries around the world. Again, your lawyer should be able to direct you to a few reputable ones (be very careful -- you probably shouldn't have to pay & if it sounds too good to be true it definitely is).

Beyond that, try to change your phone number. That was what I did & I'm glad I did it. I have enough stress as it is without having to take upsetting calls.

If none of those are options, when they call, explain to each vendor that you are facing bankruptcy & ask if there is a way you could work out some sort of payment plan with them so that you can avoid bankruptcy -- just sending a very small amount each month. Don't worry about the fact that you still plan to file bankruptcy. Many people will work something out with you if the alternative is no payment at all. I know that lying is awful, but many times that is the only way to get them off your back for long enough to finish getting things in order.

take care,
frances