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I declared bankruptcy in 2012. I was 44K in credit card debt, had no income, and no assets. It was a huge relief. It was a bit of a pain for the 9 months I was in bankrupcty, I had to file monthly income / expense statements, and go for credit counselling which I found helpful.
It was a huge relief.
In Canada it takes 9 years for the bankruptcy to come off your record, so I'm waiting it out. And I've discovered that it's quite easy to live without a credit card.
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"I danced in the morning when the world was begun. I danced in the moon and the stars and the sun". From my favourite hymn.
"If you see the wonder in a fairy tale, you can take the future even if you fail." Abba
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