Newbie here moving internationally...

Hi All!

I have been reading through a lot of these threads and it is such a
relief to see others who are in the same situation I am. Same
situation financially, at least. Altho, I believe my reason for
filing for bankruptcy may be a little unique. I think it is my only
course of action right now.

Most of the debt that I have had been fooishly acrued in a previous
marriage. My husband and I split amicably and we split everything,
including debt. I have since re-married to a wonderful Swedish
man. We have started our new life together. I re-financed the
house that I owned with my previous husband completely in my name
since he did not want it. In doing so, I also got a second mortgage
on top of the first to pay off one of my high credit cards. This
was a great situation for both of us. My new husband is a carpenter
and we could have made this house gorgeous. We also went out and
bought all new furniture (on credit of course). We were in the
process of applying for permanent residency for my husband when we
came across a complication. To make a long story short, he has to
go back now or he will be barred from coming back to the US for 10
years! We've searched all our options in this situation and know
that going to Sweden is our best one. After three years we can re-
apply and try again for his permanent residency here.

But now I have this house, new furniture and a ton of debt that I
will not be able to repay before I move over there! If he was able
to get his residency, he would have gotten a job (construction jobs
are still numerous here in NC luckily) and paying off this debt
would not have been a problem. I have been holding on as best I can
with one income, but it is finally starting to catch up and I am now
putting off bills so that I can pay others. My credit has been
stellar up to this point, but I see the downward spiral on the
horizon. I have never been in a situation like this in my life.
All I can think about is money and how I will pay my bills. I've
had to borrow money from a good friend just so that I can put food
on the table. To say that this makes me sick and depressed is an
understatement. I think the Kleenex company is doing a booming
business thanks to me! :-(

Anyway, I guess my biggest question is that will Chapter 7 be my
best option?? My paperwork to Sweden should be done in about 8
months and there is no way that I will be able to pay this mountain
of debt paid off. I really just want to get rid of everything -
house, furniture, etc. The only things I want to keep before the
move is my car, my computer, and my 401K. I'm just going to rent a
furnished room until it is time to go so won't need anything else.
Will a Chapter 7 take care of my house, too? Or will I have a
double wammy of a foreclosure and bankruptcy on my record? :-( The
house market is so slow right now, I don't think I could sell it in
time. I've seen houses that have been on the market for well over a
year now! And with the condition its in, I don't think I could get
enought to pay off the 1st and 2nd mortgages on it.

Right now I am just so scared and very ashamed at the situation I
have put myself in. Reading your posts has helped to feel a little
better in that I am not alone. Any insight that I could receive
would be so much appreciated.

Thanks in advance!
Vickie