Forum Rules (Everyone Must Read!!!) (updated: 04/28/2015)

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My Husband Wants to File Chapter 13

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  • My Husband Wants to File Chapter 13

    I just need to vent this:
    My husband is throwing $500 every paycheck to pay off a CC judgment early. I've had to make a very tight budget. I even made a mistake and have to give up my "Incidentals" and some of my gas money to cover it. He already used his "Incidentals" money on buying stuff for the mobile game he plays.
    I sent him to the store with $10. The pop/soda I asked him to get costs $7.96. I told him to bring back any change because that is our grocery money. He came back with the pop, didn't give me any change and walked passed me while trying to conceal what I can only assume was a hostess chocolate pie (he loves those things). So, he knew we we're gonna be super tight, and that I have to give up my money, but he spends more on himself. Unbelievable
    -I just wanted to add that I've been eating only one meal a day so him and the kids have what they need. And he know this...I just hate filing chapter 13 ,40k in his c.c. dept he's all his . every night I would come from nursing school ,trying to help our family by becoming a nurse . He tells all his family its me doing all the c.c. spending . its all lies ,his family believe all of the b/s he's told them . now I found out he's wanting to take a loan on our house . when he told me this I blew up . In his eyes I am wrong for being upset . I don't know what to do . he's wanting to file 13 .

  • #2
    steffynpaul , I moved your post to a new thread so you might get some helpful feedback.

    You are skipping meals to make ends meet. Nobody should do that in order to pay credit card debt.

    Sounds like you shouldn't send your husband to the store and that perhaps you need to make better spending choices yourself. Why would you spend money on soda while skipping meals?

    Why are you opposed to filing Chap 13? Is there some reason your husband is not considering Chap 7?

    LadyInTheRed is in the black!
    Filed Chap 13 April 2010. Discharged May 2015.
    $143,000 in debt discharged for $36,500, including attorneys fees. Money well spent!


    • #3
      my husband is a controller . we fight over money and me doing the shopping . he loves to spend ,spend spend. I didn't want to file 7 or 13 . when we go back to speak to our lawyer . I am just so upset hes told everyone I am the one that has gotten us in this dept. it just hurts that they believe his lies . it just hurts all of it . I will do what we need to do .


      • #4
        Sounds like the two of you need marriage counseling in addition to the potential bk. A family is just that, "a family". Decisions need to be made together with open communication.

        I agree with LITR. Going without meals while spending $ on a non-necessity like soda makes little sense. What else are you and your husband buying that you simply do not need? You need to completely examine your spending habits.

        You mention a 13, not a 7. That tells me your household makes too much money to qualify for a 7 or that you have some non-exempt asset that you are trying to protect. If the household makes a good income, maybe try credit counseling. If there is an asset you are trying to keep, maybe it should be sold to pay the creditors. I do agree that a bk should be avoided if there is another way. The two of you need to explore that possibility and I agree that the roof over your head should never be placed at risk for the sake of taking out some of its equity in the form of a loan.



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