So now here we are in Vegas 3 months later and things are finally looking up. I spoke to a few attorneys who suggested that I save my money and file Pro Se. I had already done much of the work and own a copy of the NOLO guide (gift from another Pro Se filer).
Basically things got worse before they got better. My wasband (soon to be ex) tried to starve us out and refused to help with the kids so I got stuck with an unexpected daycare bill of $1000 a month. At the end of the last 3 months we had $300 left after paying rent, daycare, car note. We were sleeping on the floor and eating peanut butter and jelly sandwiches. My brother was sending me $1-200 a month. Then the daycare told me I had to pay in full by the end of the week or they were kicking the kids out.
Finally, I decided that things were not going to get better through osmosis so I borrowed $8000 from my TSP. The kids needed clothes, I got a promotion and was told I needed clothes, son needs fillings, we need a couch, beds, etc. I have caught up with the daycare bill finally but will have to keep paying myself until I can sue for divorce/child support in August.
Sooo, my questions are:
1) Am I correct in thinking that I can use federal exemptions to protect the $4000 in my bank account? I moved from IL to NV in Feb.
2) I am expecting an insurance payout of about $2000 from fire at my old property. Can I use this to buy the furniture we need and exempt the furniture.
3) I got sued in IL and they got an ex parte judgement. Can anybody offer any ideas as to how long before they start trying to garnish? I want to beat them to the punch.
I don't plan on exempting anything else. Just the cash and the personal belongings. I will affirm the car note for less than $300 a month and that's pretty much all we have.
Any feedback?
Basically things got worse before they got better. My wasband (soon to be ex) tried to starve us out and refused to help with the kids so I got stuck with an unexpected daycare bill of $1000 a month. At the end of the last 3 months we had $300 left after paying rent, daycare, car note. We were sleeping on the floor and eating peanut butter and jelly sandwiches. My brother was sending me $1-200 a month. Then the daycare told me I had to pay in full by the end of the week or they were kicking the kids out.
Finally, I decided that things were not going to get better through osmosis so I borrowed $8000 from my TSP. The kids needed clothes, I got a promotion and was told I needed clothes, son needs fillings, we need a couch, beds, etc. I have caught up with the daycare bill finally but will have to keep paying myself until I can sue for divorce/child support in August.
Sooo, my questions are:
1) Am I correct in thinking that I can use federal exemptions to protect the $4000 in my bank account? I moved from IL to NV in Feb.
2) I am expecting an insurance payout of about $2000 from fire at my old property. Can I use this to buy the furniture we need and exempt the furniture.
3) I got sued in IL and they got an ex parte judgement. Can anybody offer any ideas as to how long before they start trying to garnish? I want to beat them to the punch.
I don't plan on exempting anything else. Just the cash and the personal belongings. I will affirm the car note for less than $300 a month and that's pretty much all we have.
Any feedback?
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