Filing Bankruptcy, losing home

**RecessionWidow** · 12-14-2011, 04:40 PM

I don't have a specific question...just looking for moral support and some semblance of comfort. After several years of scrambling post housing-crash, we are finally at the end of the trail. It's time to wave the white flag and dump the debt and big house with two mortgages. Comes at a bad time of year, too. Trouble is, there's no income at the moment and we are not young and not qualified for much. Have no family either.

Moving along...the task ahead is daunting. Approx. 30 years of accumulation is to be evacuated. Everytime I try to start, I just throw up my hands and cry. How do I do this???? I'd love to hear from anyone who has been through this and survived.

**Sophiasmama** · 12-14-2011, 04:46 PM

I just wanted to give you a hug and say sorry your hurting.

**Nishu** · 12-14-2011, 05:24 PM

I'm so sorry.

no advice. Wish I could help.

**HappyMama** · 12-14-2011, 05:29 PM

I'm Sorry , sending hugs and blessings your way.

**arnie** · 12-14-2011, 06:14 PM

wow.
I haven't personally been through this but I guess what I would want to do:

Go into robot mode- make 4 piles of things
1 to throw out, 1 give away, and 1 of items to possibly sell, 1 for must keeps.

Just remember that the sooner you get through this phase, the sooner you can move on with your life. I would just have to work in an emotionally numb state. I just relate to how working as a nurse, when sad things or a crisis happens, I have to put myself on auto pilot so that I can get through it.
then I cry later.
I feel for you, and wish I could offer better advice.
Hugs

**Russ** · 12-14-2011, 06:18 PM

Sorry to hear you going through this.
Are there family members near by that could lend a hand or maybe just an ear?
Maybe you could find some local teens to help with moving? They always need an extra buck.

**frugalfranny** · 12-14-2011, 06:22 PM

No advice, just sending hugs and good thoughts that you will get through this........sorry it has happened.

**lisaflex** · 12-14-2011, 07:53 PM

also no advice. so sorry for you.

best wishes

**Lindsey** · 12-14-2011, 09:01 PM

One day at a time, one room at a time. My motto for moving 5 times in 6 years is that. Don't try to do more than one room at once, you'll get ovewhelmed.

I'm sorry to read you are losing your home. That sucks! I wish you guys the best and hope it leads you to a greener path.

**brennasmom** · 12-14-2011, 09:16 PM

Oh no

No suggestions... I'm sure it is very overwhelming. Take it one day at a time. Keep us posted.

**mauimagic** · 12-14-2011, 09:18 PM

Never been through this, but know what 30 years of accumulation looks like. I am also purging, but certainly not under the stress that you are. ..... and it's still hard - so I hire a friend from work who I know is good at organizing and getting rid of things for 6 hours and we start in one area of one room. That helps in getting me going. She's coming over friday afternoon to help get the process going again. Am very fortunate because I know she and her family have no Christmas decorations - that's where we'll be starting since I have an abundance - win win situation.

Please don't give up on yourself. Love the idea of going on emotions neutral - you could also take on another personna and pretend you are doing the clean out for someone else.

Please keep in touch and let us know how you are doing. You can and will get through this.

**bookwormpeg** · 12-14-2011, 09:38 PM

So sorry...take one day, one moment at a time. Cry when you need to cry and then pick yourself up and pack another box...good luck...

**OOwl** · 12-15-2011, 12:25 AM

Going through this with a good friend right now. It IS overwhelming and it's really not always possible to go through all that stuff when you have/may have a deadline looming. My friend ended up renting a HUGE storage unit and moving EVERYTHING into it. In the coming months, he will go through it a little at a time, accomplishing the purge, keep, or sell. I think that helped him a bit, taking everything somewhere safe from the eviction process and gave him some buffer time to deal with it after securing new accommodations for his family.

**craftypam** · 12-15-2011, 02:23 AM

I am sooooo sorry you are going through this; I cannot imagine trying to do what you are having to do. I wish you the best and hope things work out for you!

**jvera** · 12-15-2011, 05:29 AM

It will get better, I know because I've been through the process of losing my home four years ago. I am now disability retired and my husband lost his job and we lost our home, RV, and boat. Recently my husband turned 62 so now we have a steady income and things are looking up for us. It was very difficult emotionally when we lost everything but now things are looking up for us. We qualify for a mortgage now and are looking at inexpensive homes that we can pay off within 10 years and is cheaper than rent. So things changed for us but there is light at the end of the tunnel.