So, chapter 7 stays on your 'permanent record' for ten years, "I hope I have ten years!" Chapter 13 only seven years, ditto. I worked my responsible butt off for my whole life, married a bad news asshole, prayed and worked even harder, remained truthful, ethical, and for all of my efforts I have only my retirement and my child as assets. I am feeling like I have been kicked around trying hard to always do and be responsible, the creditors have made a killing off of me. My now (thank you God) ex-husband has all the "stuff" I worked and either paid for (house, boat, kiln, potter's wheel, furnishings, etc....etc...) or owe for (remodeling a whole dang house) while my kid and I live in a rental, with thrift store and hand me down furnishings.Guess he made a killing off me too.
One thing being a "bad credit" risk insures (I think) is that I am not likely to get caught up in a stupid rat's race again. I am not a rat. I am a rain dancer with an open heart and that is about all I have left to give away. And that is about all that matters when the dust settles and they plant you or release your ashes to the wind. How did you make your fellow humans feel? Did your passing through this planet make the world at all better, if only for a few souls? Did you lift others up? Did you give as much as you could? Did you pass on what bits of wisdom you learned? All of these things will matter for a short time at least in the hearts of those left behind. The stuff money buys, is sold off or thrown away losing its worth almost as soon as its owner is no more.
Traveling light has always been my preference. Now it means more to me than ever, both spiritually and materially. I have a roof over my head, food in the house, a car, a safe daughter, and I am safe. I have a job I love and a God I love. In this realm I may 'look' poor, but my heart and soul have treasures that you can't go out and buy.
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