I have been so overwhelmed, sick, depressed, and was suicidal over all of our financial problems - coming here has helped tremendously just knowing that other people have been there and are OK, know what I mean?
Is there a site someone can link me to that will tell me what bills are taken into consideration when deciding to file ch7 or 13?
I made a list of our bills without all the credit cards and the timeshare. We are already paying more out than what is coming in (even if ALL the credit card debt was gone!!) I made a list of the bills and our income with me working and a list of the bills and income without me working. With me working our income is only $1100 more, but we are then paying $500 for daycare, $240 for gas, and ? for business type clothes. What types of things do people give up after bankruptcy? I am all for giving up the cell phone and the cable - however, my husband thinks we need cell phones in case of emergency since we do not have a house phone. I can give up the internet too, however, that has been my therapy (I do digital scrapbooking, sell on ebay, and have joined several photography groups in hopes of someday making money at it - I have also made lots of friends which is cheaper than antidepressants, right?) UUghh, I am just frustrated because even if we do file bankruptcy we STILL pay more in bills than we make. How do people do it?? Our biggest payments are our house and gas money to go to work - a closer job is not to be found for my hubby so that won't work. We prob can't refinance as we have no equity - maybe just give that up? Where I live though it is almost just as much to rent!
Sorry this is so bloggy, but if anyone has any thoughts, suggestions? I would so appreciate it!!
Is there a site someone can link me to that will tell me what bills are taken into consideration when deciding to file ch7 or 13?
I made a list of our bills without all the credit cards and the timeshare. We are already paying more out than what is coming in (even if ALL the credit card debt was gone!!) I made a list of the bills and our income with me working and a list of the bills and income without me working. With me working our income is only $1100 more, but we are then paying $500 for daycare, $240 for gas, and ? for business type clothes. What types of things do people give up after bankruptcy? I am all for giving up the cell phone and the cable - however, my husband thinks we need cell phones in case of emergency since we do not have a house phone. I can give up the internet too, however, that has been my therapy (I do digital scrapbooking, sell on ebay, and have joined several photography groups in hopes of someday making money at it - I have also made lots of friends which is cheaper than antidepressants, right?) UUghh, I am just frustrated because even if we do file bankruptcy we STILL pay more in bills than we make. How do people do it?? Our biggest payments are our house and gas money to go to work - a closer job is not to be found for my hubby so that won't work. We prob can't refinance as we have no equity - maybe just give that up? Where I live though it is almost just as much to rent!
Sorry this is so bloggy, but if anyone has any thoughts, suggestions? I would so appreciate it!!
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