Re: lost

P.S. to my previous post.........

I really don't want to lose the house or cars. When we get divorced
my hubby plans to leave me in this house cause he doesn't like it.
His new car is only in his name, so that's good for him I guess.

I did apply for SS disability but they turned me down in May. My
psychiatrist and therapist want me to appeal, but it is such a
stressful thing to do. I figure if I am able to work I should try. I
have found myself much more irritable to my son and have made him cry
which breaks my heart, but you got to do what you got to do I guess!

S.C.

-- In , "Sierrah"
wrote:
> I have just never considered bankruptcy, so I just have no idea
about
> anything.
>
> Can a married woman file for bankruptcy, without damaging her
> husband? We plan on getting divorced (after 10 and a half years of
> marriage) when we can both afford to live independently and I don't
> know how long that will take. I had a decent job then had a
nervous
> breakdown and had to live on my long term disability check which
was
> 60% of my previous income for 2 years. My husband had lost his job
> shortly before that and decided to go back and finish college. So
> for a while we were living on credit cards, using them to pay the
> house, car, Cobra insurance, etc. He has since gotten a decent job
> but it is not utilizing the degree he earned last Dec. We were
> managing paying the minimum dues and did not get behind on any
> bills. Now my disability check ended last month. I started
working
> part time in June but cant seem to get a full time job making as
much
> money as my disability check was. The company I've been temping
for
> just hired me on as a regular employee, but my big raise puts me at
> $8.15 an hour and they will only let me work 20 hours a week.
> Tomorrow I'm going to apply at some kind of restaurant thinking I
can
> get on real fast and work around my other part time job. I just
see
> that I'm no longer going to be able to pay my minimum dues. We are
> in about $60,000 credit card debt. I've been expecting an
> inheritance of about $100,000 since my Grandmother died 2 and a
half
> years ago, but it looks like it isn't going to be settled at least
> for another year which is quite unbelievable to me and really
pisses
> me off. If I could just pay off the credit card debt, I could live
> fine off these stupid minimum wage jobs! It's pretty sad going
from
> a $16.23 an hour job 2 years ago, to half that now! I'm not
mentally
> together enough to go back to a professional social work job like I
> had. I planned on being back to normal by now but it didn't
happen.
>
> I just don't know what to do. I've started calling my creditors
> finding out if my husband is responsible if something were to
happen
> to me.
>
> I'm the one that charged up all these cards, not buying anything
> extravagant or anything, just whatever food we wanted, and paying
> bills and insurance and stuff. Now most cards are at the limits,
so
> I won't be able to buy food with them or pay for my meds.
>
> I tried calling my local legal aid to get some idea what to do, but
> with my hubby's income I am over the income guidelines to get free
> help. I don't think my hubby has extra money to take on the bills
> I've been paying and I'm afraid to ask him. He's already pissed
off
> that I'm taking the part time job at the call center, thinking I
can
> get a job using my degree. He just doesn't understand depression,
> PTSD, and how hard it is for me to get through day to day
especially
> now that I can't afford my copays for my 4 medications.
>
> What can I do???
>
> S.C.