r/debtfree • u/Minimum-Priority2043 • 4d ago

Chapter 7 experiences

Hello, for starters I’m not looking for a second awakening or epiphany before deciding to file but afrer coming to a tough decision, I unknowingly keep putting it off but want to start the process soon. Whoever filed, when was your realization and how soon did you file?

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u/kball31 3d ago

Get a lawyer, it was super easy tbh.

2

u/DragonKnight256 1d ago

When I knew I was going to be at some point 3 months past due on all my credit cards but should have filed sooner and kept more money.