The Ghost part 15 (some things about my bankruptcy)
It isn't as bad as you think: it removes you from the lenders and banks various grasps. You have to wait for 6 years to get back to a positive credit rating it seems, but you are left without any anxiousness and sleepless nights fretting about bailiffs and debt collection calls. I fell for the trap of loans, credit, overdrafts and higher purchase with the promise of have now and pay later lifestyle. While my wage was scant enough to pay my debts I tried always to subsist within the luxury provided by numerous credit cards and loans while my take home was squeezed to an impossibly low level. When I was asked to leave by Coors Brewers in 2003, due to my health issues, I had huge and unsupportable debts that made my overall state of mind worse and sent me into a real break down. I started seeing a Counsellor and a Physiologist through Coors and Bupa, health care provided by work, in June and July 2003, we discussed the reasons for my declining mental state and it became apparent ...