About 15 years back my credit was in shambles and I was in debt, just coming off the heels of a serious operation without insurance. It took a big consistent effort but between then and now I managed to entirely rebuild my credit with six or seven major credit cards, making timely payments, bar none. But most recently, with 2012 being an extremely difficult year in this life, and extending considerable effort in trying to avoid it, I am now facing bankruptcy for a variety of reasons all of which seemed to have conspired to bring this situation about. The result has been quite depressing. At this point, I find myself searching in a constant state of dire cost saving mannerisms though at the same time not really sure if it all matters.
I hessitate to again make the same efforts. Something tells me I should simply accept this as a form of "clearing out" as long as I have in fact done all that I can do, and move on while integrating this into the life of an artist/writer. Yet still though feeling at a loss and not entirely comfortable with the outcome for the creditors. Even though I had paid them year-upon-year of accumulated twentish percent APR.