5 /5 Gary Oliver: If you are planning on filing bankruptcy, please read this. My wife and I have been on a downhill slide for a couple years now. We were in good shape for some time paying all of our debts until the recent couple years. It was to the point every single paycheck was spoken for. Even the ones that havent even been worked for yet. We were spending over $5000 a month just trying to stay afloat. Throwing money away just keeping from loosing collateral to title loans. We had multiple Payday loans, title loans, bank loans and every secured/unsecured debt imaginable. Credit cards stayed maxed out. We were beginning to make deferments on vehicles. I also began to have heart issues so bad because of the stress it sent me to the emergency room. Now add medical bills to the list. Alot of questions come up about having to file bankruptcy and I found myself trying to learn from the internet, which is not a good thing to do. Even Mr. Lively said to refrain from doing so. His many years of experience has helped me understand and trust the process more.
Now that I have filed chapter 13, the stress has gone away, the only phone calls I get are scammers and spoof calls. We can finally manage our finances and plan on coming out of bankruptcy with a clean slate. Mr. Lively placed us in a repayment plan that works so much better than what we were doing. I was also in fear of loosing assets such as vehicles and motorcycles that I have worked so hard for many years to acquire. A big thank you to Mr. Lively and Mindy for helping get us back on track. I highly recommend him and his staff. In closing, dont be afraid of filing like we were. It was the best financial decision I have ever made. Your nerves will thank you.
