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I am 36 years old. I'm a single mom of four. I make about 55,000 annually, and I have about 28,000 in debt,

credit card debt, personal loans, a title loan, and I'm kind of in the rear on my mortgage.

I recently filed bankruptcy in May, but I realized after watching your show and I have your

book, The Total Money Makeover, I decided to dismiss the bankruptcy case because after I added up my debt and then I looked at the

fees that the lawyer was going to charge me over five years, I was like, no.

Like, so I'm extremely excited, but I'm nervous at the same time.

And I just wanted you guys to tell me

am I making the right decision okay did you actually file bankruptcy so May 2nd they

the attorney filed the bankruptcy and then like recently, I say about two weeks ago,

I told him to file a motion to dismiss.

Okay.

So you did.

You filed bankruptcy.

You filed a chapter 13 and then voluntarily dismissed your 13.

Okay.

So you're still behind on your mortgage?

Yes, I'm still behind.

Okay.

And, um, all right.

Okay.

Well, here's our rules.

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