"Bankruptcy is Renewing"

I had bills piled up that I could never pay off and they just continued to add up. Filing bankruptcy may feel embarrassing, yet it is a time to refocus and to help get you going in the right direction again.

The worst time in my opinion was the pre-bankruptcy. I had to take two jobs and extra shifts and not even break even. I was working 16 hours a day every single week and it was like this for almost two years! I could barely feed my family.

We could not get a loan from the bank because our credit was so bad, we owed thousands on our house and it was such a nightmare. I can't recall a time in my life that was so hard.

Before bankruptcy my life was a nightmare. My wife and I were both working everyday which meant the kids were usually at their grand moms so we did not get to see them that much which was extremely difficult for my wife.

Christmas was not easy either. We really could not get our kids much that they wanted, and the things that they did get we had to borrow money from family which we had never been able to pay back.

The only thing that is good that comes out of bankruptcy is that it gives you a chance to restart and a huge sense of relief. Not owing thousands and thousands of dollars is such a great thing.

After filing bankruptcy, I attended a trade school and became an electrician. I work my own hours and I make more money than I ever did before. So for those who are in bad situations and considering bankruptcy, I say to keep your head up because once bankruptcy is clear your life will be renewed.

Contributed by Nick from Vermont