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Thank you Worldwide & Milleisen.

Yes Milleisen I did have a rough patch in my life. I got married and my ex-husband put a lot of things in my name because his credit was tore up from the floor up and I didn't know anything about credit. What is was, what it meant, how it affected you or anything like that. Everyone wanted to give me the world because they said I had "ghost credit" or "no credit". Then we got divorced and everything fell on me because they had to put my name first since I was the one with "no credit" and his was shot.

When we went to court for the divorce, I was so happy to get away from his abusive ways I didn't look at the fine print in the divorce decree I just signed it. It stated that everything that was in my name was my bills and everything in his name was his .... he didn't have any because the companies put everything on me. That was the start of my rough patch. Then I had a child ... the best moment of my life but, I had complication and had to have surgery. Then I had 2 more major surgeries. Then I had 5 small surgeries and I am due for another major surgery this year on my neck. I have a nerve that is messed up in my left arm and they think it starts from my neck because of the MRI photos. God's willing I will make it through this one just like the others.

I have really learned my lesson and learned a lot about credit. How it affects you and how to keep it in good standing. I have to go through credit management classes because of my bankruptcy. Now I know if you can't afford to pay for it don't charge it. But I feel that I have learned this lesson too late in life. I am 39 years old and I have never bought a car nor a house. I have never borrowed money from a bank before. I have never had a credit card with a high credit limit. But I ended up in bankruptcy court. Some of the things on my credit was even identity theft. I guess you can say that I just go hit with a triple wammy. That is why I am trying so hard to learn from my mistake and keep my personal info out of the public eye. I don't really buy anything off the Internet and I don't give out my info over the phone anymore as well.

I know you may say, if I messed up my personal then I will mess up my business as well? That's not true. I've notice in business you have to be on the up and up, don't you go to jail. I don't look good in orange or stripes. Plus I don't want that on my record, the bankruptcy is bad enough as it is. I believe this bankruptcy has taught me a great deal and my business will never have a bad name if I can help it.