Dh is talking to the attorney

Oh I do hope something can be worked out. Vibes on hteir way.

Sending you lots of prayers

With the new bankruptcy laws do you not have to attend a credit counseling session-perhaps that might help you avoid bankruptcy. Good luck.

I hope everything turns out for the best for you! and vibes!

I'm so sorry to hear this, sending tons of {{{{{good luck vibes and prayers}}}}} to you and dh.

I'm adding my vibes to the many coming your way. Got my toes, eyes, fingers, arms & legs crossed so that you don't lose your house.

Well of course the news isnt good. We have to wait another year to file chapter 7, I think it is........and we can file 13 but all the crap involved isnt worth it...so yup, we are pretty much screwed!! We most likely will be looking for a new home by summer. I just hope to god we can actually find something thats decent and will allow my pets! God, thats what I am afraid of~losing my pets.

Originally Posted by catloverin_ks

Well of course the news isnt good.

We have to wait another year to file chapter 7, I think it is........and we can file 13 but all the crap involved isnt worth it...so yup, we are pretty much screwed!! We most likely will be looking for a new home by summer. I just hope to god we can actually find something thats decent and will allow my pets! God, thats what I am afraid of~losing my pets.

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Thats really bad news- after losing a pet I'm sure we all fear losing our homes the most
Am send good financial vibes

My prayers are with you too, especially that you can all stay together.

I really hope you find your way out of this situation without filing for bankruptcy. I know you are sad it didn't work out but I think it is for the best. Bankruptcy will follow you for life. Creditors don't ask if it has been 7 years since you filed for B but if you EVER filed for it.

I hope you find a new house for you and your kitties.

I hope I'm not out of line by sugguesting this, but you may want to head over to the finance board on babycenter. com: http://boards.babycenter.com/n/pfx/f...ag=bcus1294756

Post your situation and your budget (if you have one, if not, you can ask for advice on putting one in place). The women there are great at finding places for you to cut corners/cut costs, if you're willing to sacrifice.

HTH,
~Jillian

What a horrible thing to have to be going through. I'm sending you lots of good vibes!

Sending hugs and vibes your way.

I hate that so much has happened to you lately, I hope everything turns around soon!

Sending good vibes to you! I hope everything works out, if you need to vent feel free! I would be frustrated and stressed as well! Best of luck!

I'm sending good vibes to you also.

Honey, I can relate to financial devastation...when my husband's addiction issues were spiraling out of control, his behavior led to our monetary demise. It was AWFUL, and we're still trying to pick up the pieces, although it is better in many ways. Fortunately, his addiction has nothing to do with his moral character, as it's a disease, and I love him still for all of things he is and can be while sober. He's been clean for 7 months, and our finances are rocky, but much better than they were...you can improve your own situation as well, but it will take time, and a lot of focus. Perhaps even finding a second job for you both would boost your income, and help you out of your troubles.

Good luck to you, and I'm so sorry that this is happening. Things will get better, if you concentrate, and seek the help you need to make things managable.

Originally Posted by wookie130

you can improve your own situation as well, but it will take time, and a lot of focus. Perhaps even finding a second job for you both would boost your income, and help you out of your troubles.

Good luck to you, and I'm so sorry that this is happening. Things will get better, if you concentrate, and seek the help you need to make things managable.

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I had to file bankruptcy years ago due to divorce and it was absolutely horrible and I never want to do it again. I don't know if they can legally take your house and leave you without a roof over your head, you might want to talk to an attorney about that. I know they can take your car, but like I said, not your house as far as I remember, but that was many many years ago and it could've changed in all those years. Just so you know, it took awhile but I just saw my credit score and it's fantastic! In the high 700's. Not the best but the banker we talked to said it's really good in their eyes. SO I'm not complaining. I struggled and overcame that one problem and now my credit is very good.
You can over come this too, just try different things to get those bills and things paid down to a managable debt.

Just a thought for you: I know this kind of thing can hang over your head like a rusty axe, making you feel tense and depressed 24 hours a day. It can take away all your joy in life if you let it.

Don't let that happen! Think about these issues only when you're able to take some kind of action on them -- at all other times, work to banish them from your mind and just live in the present moment. Let the simple pleasures of daily life keep you smiling until these troubles pass and you can begin to build for your future again.

All good wishes to you...

I'm sorry to hear this, I am sending you best wishes and I hope all works out ok and to your benefit.

Originally Posted by CarolPetunia

Just a thought for you: I know this kind of thing can hang over your head like a rusty axe, making you feel tense and depressed 24 hours a day. It can take away all your joy in life if you let it.

Don't let that happen! Think about these issues only when you're able to take some kind of action on them -- at all other times, work to banish them from your mind and just live in the present moment. Let the simple pleasures of daily life keep you smiling until these troubles pass and you can begin to build for your future again.

All good wishes to you...

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Yes, it is very depressing!! I know today I came home after being gone with a friend for the day and it was like as soon as I came home, this overwhelming depression hit me~HARD!!! And of course DH got it taken out on him, not on purpose but I was just a hag to him. On top of that its cold, cloudy and snowy and that didnt help matters any!!!