Should I declare bankruptcy?

SSRIs » SSRIs » Should I declare bankruptcy?

Question:

- Hide quoted text — Show quoted text – > I’ve had people judge me when I couldn’t find a job. > I hope "puss’n'boots" kicks your butt. > Why are you on this group? > Ralph V>>> > This is not about not being able to find a job Ralph. > It’s about not even trying to find one and putting off what needs to be done in > ones life.

Response:

- Hide quoted text — Show quoted text ->> << I thought about it when I was unemployed and really bad back in 97 and >> 98. I didn’t file, but I got a job and slowly have been paying >> everyone off. My credit is still shit, but so what. I am almost done >> paying everyone off, by September I’ll be done. I don’t have any >> credit cards, but I’ve lived this long without one, I can live the >> rest of my life without one. I was able to get a new car. I still >> have my house. My point is, you can recover from this, whatever >> avenue you choose to go down. What I learned out all of it is, it’s >> only money. Easy come, easy go. >> And that was a hard lesson for me to learn. Money and credit and >> secutity were real important to me. Actually, when I was married, we >> filed bankruptcy, and separated not long after that….I was able to >> get credit quite easily, to be honest about it. Things are probably >> different now….but I doubt it. The way credit is marketed, I would >> think after a bankruptcy, they would find someone would be a very good >> credit risk having just had all their non secured debts wiped out. >> Visa and mastercard were after my kids while they were still in >> highschool and didn’t have any income….go figure…. >> Yes before depression I had immaculate credit and lots of cash saved up in >the >> bank. I was very rigid about paying my bills on time, etc. This lasted >until >> about my second year into depression and then my credit began to go because >I >> was broke all the time from being unemployed. I mean it took me a good two >> years just to level out on my depression, I was doing a lot better for >about a >> year and a half, then this past winter I crashed again after developing >blood >> pressure probs from the MAOI I tried. Now Im back in the hole. >> Im finding out that the blood pressure med Im on is interfering with the >SSRI, >> but I have to stay on it because otherwise my BP skyrockets and I cant >even >> tolerate SSRIs anymore. Its a complicated situation Im in now. I find out >that >> with a blood pressure pill added in there, the SSRIs dont really work that >> great. I understand this is somewhat common. >> My ideas about money have changed a lot in the last two years. Now I am >just >> happy to be alive to be honest and am mainly just focused on getting my >health >> back. Financial matters seem kind of trivial to me to be honest. I have >> gotten over my bad credit now and while I dont like it, there is not much >I >> can do about it. >> The only thing I guess I can do is to continue trying to get my health back >so >> that someday I can work in a full capacity and make money again. >Sadly a serious bout of mental illness might never be recovered from. The >loss of >all a persons assets including 401K’s is common. The post Regan tendency is >for >state mental institutions to charge the patients for their care. > I believe this was the case long before Reagon. > My father was institutionalized in ‘63, and died there in "66. In between his > being committed and his death, my mother divorced him, receivng half the > marital assets. > When my father died his assets went to his children, or what little remained of > what he had upon his death after the state took most of it for the cost of > caring for him from 1963 and 1966. > Linda

Guess I stand corrected. What state was it?

Response:

Linda, I’m not going to respond to this post because I believe you are ill right now. The deterioration in your patterns of writing and thought over recent weeks makes that clear to me and to others here. I would have a lot to say if I thought you were in a frame of mind that allowed you to hear it, but since you’re not, I’m not going to argue with you. It seems to make the situation worse, not better, and I want to see you get better. Until you’re in a healthier condition, this is the only response I’m going to make to you, no matter how much I disagree with what you post and no matter what you say about me or others here. Linda – Hide quoted text — Show quoted text -><< Depression and anxiety results from the pain caused by and the fears >arising >from ones character defects interfereing with ones achieving one goals, >meetings ones needs etc. >when one is so unwilling to honestly and openmindedly confront ones character >flaws, bad habits and bad ways! . >Eric, whose flaws include living in la la land, a world totally and >completely >the product of his dreamworld where everything is as he wishes rather than as >it really is, such he keeps taking meds havent done squat for him, remains >unemployed, during which time he believes the right thing to do is terrorize >posters who the meds also didnt work for and express going for alternate >treatment, and now several years later talks of filing bankruptcy as the >right >thing to do instead of going out and carting some water and repaying money >owed >to others.. >Character flaws… not to mention etc, etc, etc, etc, etc, etc. >profanity, procrastination,lying, manipulation, thinking you can control >other >people and what they choose to say, etc, etc, etc, character defects, cause >you >problems, causing you depression anxiety, you treat with meds, but do squat >for >your character flaws so, treat NOTHING! >Linda >snip profanity …. will you quit telling me Im living in "la la land!!!" >I will quit telling you you live in la la land as soon as you begin posting >posts evidencing you ceased living in la, la land, Eric’s dream world. >And so long as your posts describe SSRI et al as totally safe and benign and/or >an effective treatment of depression, ideas you possess cause you chose to live >in la la land rather than the real world, you will be called on living in your >dream world. >Profanity Snipped! > I dont live in la la land at all. I live in reality everyday. > Bill >collectors call here all day long. Even if I went back to work right now full >time I wouldnt be able to get out of the hole. >How could you be in so much debt, you couldnt get out from under it by >returning to work? You been living off your parents for years, have no other >responsibilities but yourself. Is there something you haven’t told us? While >taking SSRI et al, you go on some wild gambling sprees, so you got markers >outstanding? Or did the SSRI et al prompt some compulsive shopping or >something, on credit, you got all these bill collectors calling when you been >living off your parents three plus years? Something wrong here Eric. You are >either exaggerating your debt to justify bankruptcy, or the SSRI et all been >prompting you to do some sick things! Which is it? >Linda, I really really think youve gone psychotic on us. I really truly do. >A symptom of your mental illness having naught to do with me. >live in "reality" thats why Im considering biting the bullet and declaring >bankruptcy. Id appreciate it Linda if youd keep your distorted perceptions to >yourself and go to your psychiatrist, taking copies of your posts with you >and >showing your posts to your Pdoc. You really do need serious help Linda. You >are really fucked up right now…others can see it as well as me. >Reality is such when one posts a post to public forum about a subject and asks >for opinions about a proposed course of action, one may and will receive >opinions both encouraging and discouraging the proposed course of actions. >If you cannot cope with receiving replies that discourage a particular course >of action you propose, do not post posts sharing you are thinking about a >course of action and ask for others opinions. >As long as you do post such, cope with the opinions of both those who encorage >and those who discourage. >Do you not notice how EVERYBODY except a couple anti-meds on here is always >going off on you Linda? You aint right Linda. I admit I have serious >probs…you dont. You are sick and you need serious help Linda. >The silent majority view you, and the drug dependent poly substance abusers of >meds, and the stark raving mad classic manic depressives trolling here the >loony’s! >Get it now and quit telling me Im not living in reality. >Soon as you begin posting post evidencing you ceased living in la la land, >Erics dream world, I will stop posting about your living in la la land. >Linda >Eric >Steroids caused my depression…prednisone should be used conservatively >http://groups.yahoo.com/group/FactsAndFallaciesOfDepression >MIBS (Minimally Invasive Brain Stimulation) >http://www.musc.edu/psychiatry/fnrd/tms.htm

Response:

- Hide quoted text — Show quoted text – > << Depression and anxiety results from the pain caused by and the fears arising > from ones character defects interfereing with ones achieving one goals, > meetings ones needs etc. > when one is so unwilling to honestly and openmindedly confront ones character > flaws, bad habits and bad ways! . > Eric, whose flaws include living in la la land, a world totally and completely > the product of his dreamworld where everything is as he wishes rather than as > it really is, such he keeps taking meds havent done squat for him, remains > unemployed, during which time he believes the right thing to do is terrorize > posters who the meds also didnt work for and express going for alternate > treatment, and now several years later talks of filing bankruptcy as the right > thing to do instead of going out and carting some water and repaying money owed > to others.. > Character flaws… not to mention etc, etc, etc, etc, etc, etc. > profanity, procrastination,lying, manipulation, thinking you can control other > people and what they choose to say, etc, etc, etc, character defects, cause you > problems, causing you depression anxiety, you treat with meds, but do squat for > your character flaws so, treat NOTHING! > Linda > You stupid ass bitch, will you quit telling me Im living in "la la land!!!"

Gratuitous insult with expletive component. > Goddammit, I dont live in la la land at all. I live in reality everyday.

Defense of subjects life > Bill > collectors call here all day long.

evidence of subject ignoring knowledgeable advice on getting this annoying practice to cease. > Even if I went back to work right now full > time I wouldnt be able to get out of the hole.

Subtle justification for continuing sloth. > Linda, I really really think youve gone psychotic on us. I really truly do.

Possible projection. > I > live in "reality" thats why Im considering biting the bullet and declaring > bankruptcy.

Attempt to solve a problem, hopeful sign. > Id appreciate it Linda if youd keep your distorted perceptions to > yourself and go to your psychiatrist, taking copies of your posts with you and > showing your posts to your Pdoc.

Attempt to reserve the right to comment on other posters psychic state, while denying such right to others. > You really do need serious help Linda. You > are really fucked up right now…others can see it as well as me.

Attempt to disguise gratuitous insult with expletive component as advice subject is unqualified to deliver. > Do you not notice how EVERYBODY except a couple anti-meds on here is always > going off on you Linda?

Attempt to utilize imaginary peer pressure to modify behaviour which subject finds threatening. > You aint right Linda. I admit I have serious > probs…you dont. You are sick and you need serious help Linda.

Admission of own undisclosed issues to attempt to justify unsolicited advice. > Get it now and quit telling me Im not living in reality.

Request for troubling posts to cease. > Eric

Munchausen by proxy caused my depression… http://www.munchausen.com/

Response:

- Hide quoted text — Show quoted text – > << I thought about it when I was unemployed and really bad back in 97 and > 98. I didn’t file, but I got a job and slowly have been paying > everyone off. My credit is still shit, but so what. I am almost done > paying everyone off, by September I’ll be done. I don’t have any > credit cards, but I’ve lived this long without one, I can live the > rest of my life without one. I was able to get a new car. I still > have my house. My point is, you can recover from this, whatever > avenue you choose to go down. What I learned out all of it is, it’s > only money. Easy come, easy go. > And that was a hard lesson for me to learn. Money and credit and > secutity were real important to me. Actually, when I was married, we > filed bankruptcy, and separated not long after that….I was able to > get credit quite easily, to be honest about it. Things are probably > different now….but I doubt it. The way credit is marketed, I would > think after a bankruptcy, they would find someone would be a very good > credit risk having just had all their non secured debts wiped out. > Visa and mastercard were after my kids while they were still in > highschool and didn’t have any income….go figure…. > Yes before depression I had immaculate credit and lots of cash saved up in the > bank. I was very rigid about paying my bills on time, etc. This lasted until > about my second year into depression and then my credit began to go because I > was broke all the time from being unemployed. I mean it took me a good two > years just to level out on my depression, I was doing a lot better for about a > year and a half, then this past winter I crashed again after developing blood > pressure probs from the MAOI I tried. Now Im back in the hole. > Im finding out that the blood pressure med Im on is interfering with the SSRI, > but I have to stay on it because otherwise my BP skyrockets and I cant even > tolerate SSRIs anymore. Its a complicated situation Im in now. I find out that > with a blood pressure pill added in there, the SSRIs dont really work that > great. I understand this is somewhat common. > My ideas about money have changed a lot in the last two years. Now I am just > happy to be alive to be honest and am mainly just focused on getting my health > back. Financial matters seem kind of trivial to me to be honest. I have > gotten over my bad credit now and while I dont like it, there is not much I > can do about it. > The only thing I guess I can do is to continue trying to get my health back so > that someday I can work in a full capacity and make money again.

Sadly a serious bout of mental illness might never be recovered from. The loss of all a persons assets including 401K’s is common. The post Regan tendency is for state mental institutions to charge the patients for their care. After one emerges from the institution one is faced with perhaps $50 or $100,000 of debt, an almost insurmountable mountain.

Response:

Bankruptcy is a financial tool, period. Try to make the decision an unemotional one; don’t worry about pride, or embarassment, or whatever. Visit a non-profit credit counselor, and figure out whether or not you can pay off your debts within ten years. If not, then bankruptcy becomes a better alternative than swimming in debt. KC

Response:

– Hide quoted text — Show quoted text -> Well as Ive said before on here, financially Im in ruins as a result of being > disabled for so long. Im in serious debt of which I have no money to pay, my > credit is now totally ruined. Im totally, absolutely broke and if I wasnt > living with my family Id be homeless out on the streets. I also just defaulted > on my student loan. Bill collectors call me all the time and drive me insane. > Hell, Im already insane. I cant take it anymore. My family cant help me at all. > Ive really been tempted to just go to this bankruptcy attorney I know and > declare bankruptcy. Wipe my slate clean…hell my credit is already fucked up > severely bankruptcy is not going to fuck it up any worse. > Least it would decrease my stress levels. What should I do? Go ahead and > declare bankruptcy? > This is what happens when you dont get severe mental illness properly > treated…disability, financial ruination, homelessness, severe stress. Its > bad. > Eric

I’m sorry to hear about your problems, Eric. Let me tell you about my personal experience. I went from owning a four-bedroom on 3 1/2 acres, with a big stone fireplace, extensive gardens, trout stream, yadda yadda, to financial ruin due to untreated/untreatable (take your pick) depression. I fought bankruptcy tooth and nail, mainly I realize, as a matter of pride. To go from mortgage-free to being in debt six figures was not acceptable to me. When I finally let go, and let bankruptcy take its course, there finally was a light at the end of the tunnel. Yes, it’s years off, and having to come up with the money to go bankrupt when I couldn’t afford rent was a very bizarre experience. But now, I’m half way to total clearance of the burden I carried. I live on cash, drive a car older than the one I drove 12 years ago, but I’m moving on. Nobody who knows the facts of my life has ever questioned my decision to go bankrupt, so why should I? Just my experience. Take care dude, Larry

Response:

>Ralph V, RobertPor, Briteyes (LInda C) Gina Hughes, and Crazy composer have no >legitimate purpose here, only post ill will, depraved and sometimes posts >displaying complete madness etc etc.

Response:

– Hide quoted text — Show quoted text -> No, you should stop milking off your family and get a fucking job for Christ > sakes. > You can sit on your ass all day on ASDM and sound coherant but you can’t get a > job? > Makes NO sense. > "Major depression?" > BULLSHIT. I don’t buy it at all. > Your scared shitless to get a job. Your also scared shitless to do something > for yourself and to get better. > But yeah, go ahead and file bankruptcy when there is absolutely no need. Real > smart. > Better yet Eric, file bankruptcy to put off your getting a job for another 3 > years so you can post meaningless jack shit on ASDM all day. > This is what you want isnt it? > It’s time you smartened up Eric. > Stop being a pussy.

I’ve had people judge me when I couldn’t find a job. I hope "puss’n'boots" kicks your butt. Why are you on this group? Ralph V

Response:

I’ve had people judge me when I couldn’t find a job. I hope "puss’n'boots" kicks your butt. Why are you on this group? Ralph V>>> This is not about not being able to find a job Ralph. It’s about not even trying to find one and putting off what needs to be done in ones life.

Response:

- Hide quoted text — Show quoted text -> No, you should stop milking off your family and get a fucking job for > Christ > sakes. > You can sit on your ass all day on ASDM and sound coherant but you can’t > get a > job? > Makes NO sense. > "Major depression?" > BULLSHIT. I don’t buy it at all. > Your scared shitless to get a job. Your also scared shitless to do > something > for yourself and to get better. > But yeah, go ahead and file bankruptcy when there is absolutely no need. > Real > smart. > Better yet Eric, file bankruptcy to put off your getting a job for another > 3 > years so you can post meaningless jack shit on ASDM all day. > This is what you want isnt it? > It’s time you smartened up Eric. > Stop being a pussy. > I’ve had people judge me when I couldn’t find a job. > I hope "puss’n'boots" kicks your butt. > Why are you on this group?

Eric has refused to look for a job, thats the difference. He has even rejected a part time job as an option for himself. Eric is being judged for : 1) Refusing to consider a job. 2) Refusing to consider even a 3 hour a day part time job 3) Posting in a fashion which suggests that he could hold down some sort of job. In the event that Eric made a good faith effort, and could not find a job no one would razz him. If Eric would get a job and due to circumstances, be unable to hold the job down, I believe he would receive compassionate support here. Eric is, in my opinion, scared to even try holding a job, because he knows he will do fine, and a big part of his helpless sick brain defense mechanism will be knocked out. I do not think he is lazy, just trapped between a rock and a hard place. – Hide quoted text — Show quoted text -> Ralph V

Response:

I think you should check out non profit credit counseling, but if you want to do bankruptcy have your atty investigate it, perhaps due to your severe depression, and you hospitalization, rTMS trial et al you might stand some chance of some special deal? I think it’s worth the effort, Eric. I know you think I have no idea what depression is, but I do. Marshall your energies for this one, it will have long term effects on your life. – Hide quoted text — Show quoted text – > << You can’t discharge your student loans in a bankruptcy. > Yeah I have already found that out. But bankruptcy will get rid of all the rest > of my debt though. Everything except my student loans. But student loans are > manageable, at least you can talk to those people and they dont act dickheaded > about it. The others are pricks if you owe them money. I can manage my student > loan thing, but the rest is about ready to make me want to "disappear" and go > ride trains so nobody can find me. Or go join the French Foreign Legion and > create a new identity…disappearing and starting over would be really cool. > Eric > Steroids caused my depression…prednisone should be used conservatively > http://groups.yahoo.com/group/FactsAndFallaciesOfDepression > MIBS (Minimally Invasive Brain Stimulation) > http://www.musc.edu/psychiatry/fnrd/tms.htm

Response:

- Hide quoted text — Show quoted text – > << It depends upon your character, morals, ethics etc.. > I realize SSRI et al use and abuse results in thinking makes something such as > character seem unimportant. > After all SSRI are used almost exclusively to avoid feeling bad about ones > character defects. > No question in my mind people who choose to take SSRI et al owing to the pain > owing to their character defects, rather than confront their character defects, > will take the easy way out of debt, declare bankruptcy rather than go out and > work for money to pay monies owed etc. > Linda > Linda, I hope you seek help for your newly developed psychosis. I do think you > are psychotic now. SSRIs are not used to "cover up character defects" as you > claim. SSRIs are used to treat depression and anxiety disorders. > Get help now Linda…you are deteriorating badly.

Linda’s point is that through dulling of emotional reactions SSRI’s allow people to consider courses which they might not otherwise. > Eric

Munchausen by proxy caused my depression… http://www.munchausen.com/

Response:

> Linda’s point is that through dulling of emotional reactions SSRI’s allow people to > consider courses which they might not otherwise.

Oh you mean like if you become less depressed you might consider a course at night school. Ralph V

Response:

>After all SSRI are used almost exclusively to avoid feeling bad about ones

character defects. I feel bad about procastination. Mabye I should get an SSRI Ralph V

Response:

No, you should stop milking off your family and get a fucking job for Christ sakes. You can sit on your ass all day on ASDM and sound coherant but you can’t get a job? Makes NO sense. "Major depression?" BULLSHIT. I don’t buy it at all. Your scared shitless to get a job. Your also scared shitless to do something for yourself and to get better. But yeah, go ahead and file bankruptcy when there is absolutely no need. Real smart. Better yet Eric, file bankruptcy to put off your getting a job for another 3 years so you can post meaningless jack shit on ASDM all day. This is what you want isnt it? It’s time you smartened up Eric. Stop being a pussy.

Response:

- Hide quoted text — Show quoted text – > Well as Ive said before on here, financially Im in ruins as a result of being > disabled for so long. Im in serious debt of which I have no money to pay, my > credit is now totally ruined. Im totally, absolutely broke and if I wasnt > living with my family Id be homeless out on the streets. I also just defaulted > on my student loan. Bill collectors call me all the time and drive me insane. > Hell, Im already insane. I cant take it anymore. My family cant help me at all. > Ive really been tempted to just go to this bankruptcy attorney I know and > declare bankruptcy. Wipe my slate clean…hell my credit is already fucked up > severely bankruptcy is not going to fuck it up any worse. > Least it would decrease my stress levels. What should I do? Go ahead and > declare bankruptcy? > This is what happens when you dont get severe mental illness properly > treated…disability, financial ruination, homelessness, severe stress. Its > bad. > Eric

Eric, although you can wipe out your unsecured debt, the student loans can no longer be eliminated by bankruptcy. It sucks, i know…thank the Regan/Bush boys. In addition Bush and his rich buddies are pushing through a bill to try to make Bankruptcy much harder. There is some federal program where people in student loan debt can refinance the debt on a income dependent pay back schedule, with a 20 year term. If you get better you can pay the student loans off, and if your condition remains such that you feel that work is not an option…well in 20 years the debts will go away. I do not know the name of the program, but i bet your congressman could help you find it. If you tell your debtors not to call you, they are no allowed to call. I suggest asking them to only communicate with you by mail. Send each one a certified letter to that effect and get them off you ass. To get out of the whole deal I would check out one of the credit places, they are paid for by big creditors, visa and master charge issuing banks etc… see what they will do for you. Bankruptcy lasts 10 years, do not enter into such a deal lightly. Munchausen by proxy caused my depression… http://www.munchausen.com/

Response:

You have to have a certain level of debt. I’m not sure the amount. You also have to come up with the exorbitant amount the attorney charges. You generally have to pay that up front. We had to pay $300.00 ten years ago. But then we filed full bankruptcy too. Be as stable as you can be when you do file. Even though you KNOW it’ll be hard, it hits very hard. (how was that for a Linda sentence) The depression I went through was horrible. Good luck. Linda – Hide quoted text — Show quoted text – >Well as Ive said before on here, financially Im in ruins as a result of being >disabled for so long. Im in serious debt of which I have no money to pay, my >credit is now totally ruined. Im totally, absolutely broke and if I wasnt >living with my family Id be homeless out on the streets. I also just defaulted >on my student loan. Bill collectors call me all the time and drive me insane. >Hell, Im already insane. I cant take it anymore. My family cant help me at all. >Ive really been tempted to just go to this bankruptcy attorney I know and >declare bankruptcy. Wipe my slate clean…hell my credit is already fucked up >severely bankruptcy is not going to fuck it up any worse. >Least it would decrease my stress levels. What should I do? Go ahead and >declare bankruptcy? >This is what happens when you dont get severe mental illness properly >treated…disability, financial ruination, homelessness, severe stress. Its >bad. >Eric >Steroids caused my depression…prednisone should be used conservatively >http://groups.yahoo.com/group/FactsAndFallaciesOfDepression >MIBS (Minimally Invasive Brain Stimulation) >http://www.musc.edu/psychiatry/fnrd/tms.htm

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