Posted by Lucy/IL on 8/8/09 11:38am
Msg #299285

Help please!name change problem

Hey I did something stupid! Hope someone can tell me how to fix it! I entered a post and used my real name. Can it be changed to my screenname???

Reply by Cari on 8/8/09 11:41am
Msg #299286

why so worried...what are you hiding?? JK n/m

Reply by Lucy/IL on 8/8/09 11:51am
Msg #299288

Re: why so worried...what are you hiding?? JK

I am not hiding anything. Just an embarrasing situation I wanted to seek info on.

Reply by Lucy/IL on 8/8/09 12:14pm
Msg #299300

Re: Nothing

Why would you ask that? I am not hiding anything, just looking for advise.

Reply by Cari on 8/8/09 1:02pm
Msg #299306

no no sorry just teasing...was it on this forum? n/m

Reply by LkArrowhd/CA on 8/8/09 11:43am
Msg #299287

Lucy I wouldn't worry about it........ n/m

Reply by Lucy/IL on 8/8/09 11:52am
Msg #299289

Re: Lucy I wouldn't worry about it........

Ok thank you.

Reply by notaryinmo on 8/8/09 11:56am
Msg #299290

Re: Lucy I wouldn't worry about it........

You will find that if you post often enough on NotRot, you become part of the "family". It's understood that you want to keep some things private - but as you can see, no one has said anything derogatory about you possibily filing BK.

It's really OK, consider yourself amongst friends here.

Reply by Lucy/IL on 8/8/09 12:04pm
Msg #299294

Re:Thank you!

Thank you very much! I will not file BR. But do want to look into other options.

Reply by Lucy/IL on 8/8/09 11:57am
Msg #299291

Re: Thank you

Thank you! It's just an embarrasing situation. Nothing to hide...

Reply by notaryinmo on 8/8/09 11:59am
Msg #299292

Re: Thank you

Lucy - with the economy the way it's been, there have been so many people filing BK that it's now considered pretty much common.

Nothing to be ashamed of at all. Only by the Grace of God, go I.

Reply by Lucy/IL on 8/8/09 12:11pm
Msg #299297

Re: Thank you

There are so many stories, good and bad, from credit couns., debt reduc companys, ect...
Don't trust these companies and so on....it makes it scary to trust anyone these days. My husband makes good money yet bills are behind. It's all going to pay interest only on credit cards and its sickening. I am praying to God everyday for help and guidance. God is great and I know he will lead us to the right place for help.

Reply by CopperheadVA on 8/8/09 12:18pm
Msg #299303

Re: Thank you

<< My husband makes good money yet bills are behind. It's all going to pay interest only on credit cards and its sickening. >>

Lucy, please scroll down and see my post on the "Debt Consolidations" thread. The Dave Ramsey program is awesome IF you are disciplined and follow the steps. It's message # 299299.

Reply by Glenn Strickler on 8/8/09 12:06pm
Msg #299296

Lucy,

You will find that there is a lot of helpful advice on this board. As far as embarrassing situations? I have been there done that-- a lot. So have a lot of people on this board. You are in good company.

Reply by Lucy/IL on 8/8/09 12:12pm
Msg #299298

Re: Thank you!

Thank you!

Reply by Glenn Strickler on 8/8/09 12:17pm
Msg #299302

I should have also said.

Back about 20 years ago, I found myself in what seemed like an impossible situation. I negotiated with my creditors, sold stuff, worked another job on the side and got out of it without going BK.

My daughter and her husband went another route and went BK in 2005. Last December, their credit was good enough to buy a house and they now have a 700+ credit score.

Looking back, it might have been better on me from a health standpoint to have filed, as I wound up having to take a little time off due to exhaustion. But that was my mindset at the time. I was embarrassed by my situation. Hindsight is 20/20 and the BK laws have changed since then, so you will have to look at your situation, and get some input from an attorney. Health is something you can't buy.

Best wishes to you. I feel your pain .....

Reply by BrendaTx on 8/8/09 6:53pm
Msg #299340

You've got a beautiful soul, Glenn.

What a nice thing to share with someone to make them feel better. BTW - Good job for you!

Reply by jba/fl on 8/8/09 10:26pm
Msg #299356

Re: I should have also said.

Like you Glenn, I agonized for almost 2 years about what to do with my financial picture and just couldn't file bankruptcy - I was so ashamed. Then one day I talked with a lawyer and he sent me a package. In it was a list of reasons why to file quickly, the first being: When you see you're in real trouble, file immediately before you trash your credit, the reasoning being that you have a problem, get rid of it and your past history will speak for itself. I had already trashed mine, took another 6 months of pondering, agonizing and being literally sick before finally filing.

This is not to be taken lightly - serious consequences affect you for a long time. Banks won't touch you for 10 years; retailers and auto dealerships will take you almost immediately as you can't file bkrptcy again for quite a while. Of course, the whole economic picture has changed since 1999 so I don't know if this is still the prevailing attitude with businesses these days. The road, whichever one is taken, is not easy but one does learn so much in the process.

A decision must be made; making no decision is still making a decision to do nothing.

Reply by LynnNC on 8/8/09 1:13pm
Msg #299308

Send an email to Harry...

...with the message # that you want deleted, and the reason - he will do so.

Reply by davidK/CA on 8/8/09 1:30pm
Msg #299311

Lucy: not to worry. Nobody actually reads this board anyway.

Just kidding folks. But we really are very nice people.

Good luck. You have lots of company

Reply by Lucy/IL on 8/8/09 1:34pm
Msg #299313

Re: Lucy: Ok

Ok, thanks

Reply by BrendaTx on 8/8/09 7:50pm
Msg #299347

Amen, DavidK

*But we really are very nice people.*

There are many compassionate and caring people on NR.

Reply by MW/VA on 8/8/09 3:18pm
Msg #299324

I think you've already received a lot of assurance that your post & info isn't anything to be worried about. Besides that, your name is not linked to your profile, which would reveal who you were w/all the details. Good luck.

Reply by CopperheadVA on 8/8/09 7:15pm
Msg #299343

True, Dave Ramsey's program takes approx two years to pull yourself out of debt - of course it depends how much debt you have.

Reply by CopperheadVA on 8/8/09 7:16pm
Msg #299344

Yikes - responded on wrong thread when I signed in - sorry! n/m

Reply by Lucy/IL on 8/8/09 9:27pm
Msg #299352

Re: Ramsey

Theres a class near here in Sept. I think I am going to sign up for it. I have heard good things about it.