Affordable Bankruptcy Courses already wrote a post of this nature a while back, speaking directly to the person we are most concerned about: YOU! The post was titled ‘Dear Bankruptcy Filer…’ and was a message from someone having gone through bankruptcy, written to themselves before they filed – to give them an indication of what was in store for them, and to remind themselves that the process of bankruptcy, as scary as it seems, is not the be all and end all.
This post incorporated what we feel are the main concerns for people filing. In summary: Bankruptcy is not permanent. You will recover. You won’t lose all your assets. You will still be employable. You can still have access to credit after you file.
Writing a letter of a similar nature may be of benefit to you, to help remember the difficult process you went through and – most importantly – that you survived it. It could serve as a point of reference throughout other difficult periods in your life, to remind yourself how strong you really are. It could help others going through the same financial struggles. It helps you to stay accountable, and remind yourself of how far you have come. It is a great tool for personal development. Concepts like budgeting and financial management are now a part of your daily life, whereas they weren’t before. You learned from your Credit Counseling and Debtor Education courses, and are now able to put your new skills and knowledge into practice to avoid having to struggle financially in the future.
Once again, please view the post yourself to read the short letter, and let us know your thoughts. Our blog is here to help bankruptcy filers and their attorneys. If there is anything we neglected to mention which you would like us to include, please let us know.