Well guys my financial situation is pretty grim, I'm almost out of my non-retirement savings, and that includes using up my retirement savings that were not in a locked in account. I mailed in the application today to the financial services commission to get access to some funds from my locked in account to support myself, but the amount I can withdraw is pretty minimal - thank God I got into a subsidized housing situation.

And I've hit the debt wall - years of bad decisions have caught up with me, leaving me with little or no options other than filing for bankruptcy. I feel so embarrassed that things have come to this. I'm meeting with a trustee on Mon. to start the process.

I guess the only good thing that can be said about it, is it gives me a clean slate to start from, and the trustee said I should be discharged from bankruptcy within 9 months, at which point I can start rebuilding my credit rating, assuming I find a job.

I really feel like a failure that I let things get this bad.

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