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I was calling to get some advice on my financial situation. So basically, I'm going to try to keep it short.

I'm an over-the-road truck driver. I'm an owner operator. When I got into trucking as an owner, you know, back in like 21, everything was good as far as

far as that was concerned. I was just living, just living and spending and not living on a budget

and just the money was kind of just rolling in and everything was great. I thought I was doing good.

And then things shifted. I got, I had to have like three

surgeries in a little over a year and that had me taking time off work and blowing through my

savings. And when I, I, I did the, the very, what I'm finding is a very popular thing of thinking,

oh, if I pay off all my credit cards in the same month, that's a good thing. So that quickly went into me

not being able to pay off the balances and, you know, accumulating more credit card debt and

things like that. So anyway, so I got into a really tough spot. I used to work at a bankruptcy

law firm, and I reached out to the girls that I know that still worked there.

And they were telling me that, yes, they looked at my situation.

They were like, yeah, you can absolutely file.

But they're requiring, I guess a trustee is requiring that anybody with a,

with a car note over, I she said six or seven hundred dollars

they were gonna require you surrender your car they wouldn't let you keep it if

you had it's higher than that number so hold up why are you thinking about

declaring bankruptcy how bad is it well because I was overwhelmed and I thought

I couldn't get out of this hole but that's

that's the funny well it's not funny but that's the thing you guys just started showing up on

my Facebook feed I never even searched you but somehow here you guys come we're a cult dude

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