Sunday, October 6, 2013

Phone calls

Hey, hi, and crazy goes it.

So I made a couple of phone calls Tuesday. One to my Psychiatrist to talk about ECT (I had to leave a message of course) and the other to talk to a bankruptcy lawyer. The lawyer and I have been playing phone tag for a few weeks now. I didn't actually expect her to answer so when she did, my already present anxiety shot through the roof.
You'd think I'd actually be prepared to talk to a person when I make a phone call huh?!
Yeah...that would be too easy.
So this lawyer, that I get a good feeling from, said that we're very good candidates for Chapter 7 bankruptcy. And from what she says, it'll better our credit, especially the hubby's, almost immediately. Granted, there will still be a bankruptcy on there, but the debt to income ratio will be better. So that's good.
Course, since it's me, I have to make it difficult. I know it's a good idea and will be beneficial as we have a bunch of medical debt that we're unable to pay (yes, it's all mine). But I also know that we're going to be incurring more in the not so distant future. My pacemaker is 8 years old and due for a replacement more than likely within the next 6 months. Maybe 8. As well as the costs of the not-so-cheap ECT if it turns out I'm a candidate for it. So yeah, it'll help us out 6 months from now (when we finish paying the lawyer's fee) but then where are we at afterward and we're still accruing more debt?
I don't know.
Yeah, yeah, I know. Don't worry about things that haven't even happened yet. Don't stress out over the future. Don't invite more pain/stress/anxiety into your life than is already present.
I know all that stuff.
I still have to think about the future though. I have to have these things in mind when making major life changing decisions. We have kids effected here...
Those were my fun and exciting, oh-my-god-I-have-to-take-a-pill-cuz-I'm-freaking-out, events on Tuesday.
What'd you do last Tuesday??  ;)

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