Hi I am new and need support

Date: Monday, August 25, 2003
Time: 11:19:56 am

Hello! I live in Texas and I am recently divorced (July 29th) and
have been to hell and back the past year. I bought a house (put
almost $30k) down 2 years ago. I was stupid and didn't get a attorney
when I told my ex I wanted to divorce him, he is very manipulative
and very emotionally abusive. I moved out and let him stay. We put
the house up on the market and planned on paying off our credit cards
with the money we got from the sale. I knew in my heart it wouldn't
sale but wanted to believe. I continued to pay on the credit cards I
thought we had for a couple of months after I moved. I didn't have a
car so my 8 year old son went to live with my sister in law. I
wasn't able to save any money to get a car while I was paying on two
credit cards. I went to a lawyer and he felt really bad for me so
he said he would do my divorce pro bono on the condition I got my son
back and got a car--he also told me to file bankruptcy once the
divorce is final if the house doesn't sell. My sister in law ended
up co-signing on a used car for me. Well, I had to stop paying my
credit cards or starve after that. I found out later that my ex ran
up one credit card while we were still living together but never paid
on it and didn't pay off one that he said he did. So now I have 4
cards totalling about $25,000. My ex got a sub-contractor job so he
can avoid wage garnishment for child support. It is a big mess and I
have been pretty much getting more and more depressed every day. My
house will be foreclosed on next week (only good thing with this is
ex won't have a home now) and I am moving to a cheaper apartment
(right now living in one close to work since I didn't have a car when
I moved out) so I won't be struggling so much. At this point I am
not worried about the house going back and it is too late to stop it
anyway. All I want is to be debt free and get out from under this
black cloud. I want a second chance. I have been beating myself up
and feeling so guilty about not paying back these credit cards. One
card had my other card's balance transferred to it, then my ex was
out of work for a year and we had to use it to live on--and I went to
school with it. The other one he charged up out of spite. The third
was Home Depot for a fence because our dog bite the next door
neighbors dog. Then the last one I am worried won't be discharged is
a Gateway card--I bought a computer a couple of years ago that is
gone now because it fried and I couldn't afford to get it fixed. And
I bought a printer and a digital camera with it as well (7 months or
so ago) total on that card is $2,300. That I feel guilty about (I
won't even use the digital camera since I quit paying on it. I have
been in crying pretty much the past week because I know the house
won't sell in time to pay all this off. My only choice is to file
Ch. 7. I am hoping that I can qualify for file Ch. 7 because I only
have maybe if I am lucky between $0-$200 a month left over after
paying rent, utilites, day care, school lunch for my son, car
payment, insurance etc. My family says I shouldn't have any problems
filing. I am worried out of my mind and scared to death. I know one
thing I am never going to look at another credit card after this--
NEVER! Any advice, support etc is greatly appreciated! (I hope I
made sense here)

Thanks!
Rosanne




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