My story, bankruptcy? Help and advice
I'm 27 years old and this is my story of how I got into debt. I read every post I could find about people stories similar to mine and I was hoping some of you who been there and done that can give me some advice on what course of action I can take .
Well like I said I'm 27 years old. I make 55k a year . And now I'm 120 k in debt.
30 k business credit cards from trying to keep a pizza shop open before I closed it.
50k of it is a personal loan used to buy another business and the deal went south and I got scammed . And lawyers I talked to said I won't win judgement based of contract I signed. So they said I will most likely be responsible for it if I took him to court.
After the business failed I sold my house and made 45 k well I used it to pay my bills for awhile but then Vegas happened and I always been a gambler and I honestly don't know why I did it or really remember it but I lost 60k in one weekend in Vegas . This sent me on a downward spiral for being a complete idiot and ruining my life. I can't tell anyone about it because how much I am ashamed. I have track record of gambling 500 -5 k for years but never that much.
After I lost all my money I couldn't stop thinking about gambling and how I needed cash to win back my money and pay my debt. Wrong wrong wrong I know.
I sold a piece of land to my aunt for 40k which it appraised for. I told her I needed money to help business . I lied to her it was to gamble.
I maxed out all cash advances and got a personal loan and went ..back... To ... Vegas .. :((( .. it didn't feel real . I was like a ghost and I had no control of actions. Well you know the rest . Lost it allllll. I could.should wish I stopped. My life is in shables. I am still current on bills for now but I'm on short term disability from work and that is about to end and then I will be late from here on out.
I am struggling with everything right now. Gambling thoughts and dreams. Depression self hatred.
I haven't gambled since trip to Vegas but that is because I'm broke.
I don't want to but then I again I do real bad. If that makes sense.
So anyone out there , been there and done that . Advice?? Could I file chapter 7 ? I don't have anything of value anymore besides 5k in pizza equipment and 5 k car paid off. Did I mess up selling my piece of land ? I read on here they can take it back. Also I read that they can deem that I had no intention of paying debt back and denying me. And my time frame is real short I did most of all my spending in last 3 months.
I have to return to work by Oct 1st . If not I will lose my job. Soooo
That is my story . Hard to put all that Into words. No one knows.
I'm sorry it was a lot and long