"Plagued by Debt"

Getting Out of Debt Stories

I'm from a small rural area where the cost of living is relatively high. Debt was a word I never thought I would be plagued by but as a young college student working two full time jobs and going to school full time it was something I was overwhelmed by.

I was working 80 hour weeks and still barely managing to get by I had three credit cards all completely maxed out even though I was trying not to use them. The 80 hour a week at minimum wage just wasn't enough to keep the debt from getting higher.

Then I found out I was pregnant! I was shocked and terrified. How was I ever going to be able to pay and care for another person when I was struggling to make it on my own?

I applied for more credit cards and couldn't get any and that is when I knew I had to do something. Making minimum payments was just not going to cut it.

I went to an attorney to talk to him about bankruptcy, and while I didn't feel like it was the right thing to do, it was my only option at the time with medical bills now racking up, too.

It was a nightmare waiting to go to court and hear what was going to be said. I was terrified that they were going to yell at me or take me to jail!

But that's not what happened at all. The judge was very nice, looked at my income and saw how many hours I was working, and honored my bankruptcy.

I was relieved when I walked out. I knew I could start over and do my best to never get in that situation again.

To this day I have avoided getting another credit card. If I don't have enough cash we don't get it, but we are happy and debt free and making it.

Every day I strive to do better and never be in that type of debt again because when you can't pay it back you feel awful.

Contributed by Heather from West Virginia