Greetings,

After reading...and reading...and reading before deciding to file, and
hearing all kinds of horror stories and about creditors showing up for
the 341, I was amazed (and relieved) at how smooth the meeting went.

Room full of 20 people...no creditors...in and out...got my discharge.
Will be in the clear completely in 60 days if no challenge is made.

However poorly I managed my finances (and it was horribly poorly and
irresponsible), there's no more bills from the guys at Discover,
Fleet, Chase, Amex, etc, etc.

What a dope i was to borrow money from these guys at 20% when they get
it at 1% and then get smashed with late fees, compound interest and
the like.

BTW, I had a no asset Ch 7. I know it's not so cut and dried for many
with assets and a mortgage to pay.

The best business decision I ever made...and I'm in good company:
Henry Ford, Walt Disney, Ulysees S. Grant. These guys are not
remembered for their financial failures