"Bankruptcy to Save Our Home"

I filed bankruptcy in February of 2005.

Let me tell you, filing bankruptcy was a very difficult decision. But I was deep in debt with credit card bills and about to lose my home.

I had one son at the time so I decided to file bankruptcy to save our home so my son would have his home. I thought it would be a hard process to have to spill my life out in front of strangers and let them know about every little thing in my life.

But it wasn't like that at all. And after I filed and we went to court and I was issued a bankruptcy my life changed. I no longer had those bills to pay and no more bill collectors harassing me night and day.

Yes, I had the bankruptcy on my credit report but I still had my home and my vehicle to get back and forth to work. After a year I was able to go to my bank which I still had good credit with since I was able to pay them since I filed bankruptcy and no longer had those bills.

I was able to purchase a new truck and establish better credit. Sure, I've had some difficulty getting loans and credit cards. But my life, and my credit, continues to improve. I now own a nice home with 5 acres, 2 vehicles, and a miniature horse farm. I even have a few credit cards that I use very responsibly.

Although a difficult decision at the time, filing bankruptcy was an excellent decision and in the long term, had a positive impact on my life.

Contributed by Tammy from Missouri