Help me figure out what to do, re: mortgage

[StaciMM]

If getting a loan on the car is not possible during a 7, and if your husband isn't able to help, what about asking for an advance on your pay, since you mentioned you'll have a commission coming to you in a couple of months anyhow?

[sunshine08]

Again, we only have a limited amount of background on this situation but my main question is have you already filed? If you haven't, go to a couple attorneys for a consulatation while you are trying to secure the money that you need to catch up your mortgage, My previous answer to your question was based on me thinking you had not yet filed.
Keep us posted - don't let lightening run you off.

[Pinktiger]

Let me assure you we have an open and honest relationship. He knows all about my finances and I know all about his. However, he is not the filer here. I am. The mortgage is in both our names, but I am the one filing Chapter 7. The mortgage has been my responsibility, as I am the one who incurred the debt. It was a mortgage we took out several years ago to pay off some debts I had.
What we are going to do is, we are making a withdrawal from his retirement IRA in the amount of $4400 and have made arrangements to pay this to the bank to "cure" the delinquency. Then I can pay this back into his IRA at some point in the next few months. He is 65, so there is no penalty. The only issue is taxes, and if I pay this back into the IRA there will not be a tax burden.
Yes, I have filed and my hearing is set for Oct. 12.
So we have to have this taken care of before then.
Thank you, everyone, for your advice.
But I do want to say that we should not be quick to jump to conclusions here. I was asking for some strategic advice, not for marital advice. I guess I should have been more clear.

[HHM]

Well, that clears some things up Pink, from the tone of your initial post, you made it sound like you and your husband barely talk, when you say "make my husband cough it up", that is very confrontational language.

However, now that you have cleared it up to some degree. Here is what I suggest

1. If you husband has the ability to pay, he should...reason being, his assets are part of your bankruptcy whether you want them to be or not, and you should be avoiding taking any new debt anyway.

2. If that doesn't work, I would still try to keep it in the family and ask your mother.

3. I definately would not ask you boss...this always messes up the working relationship. A pay advance is an option assuming you can get one for that amount, but it shouldn't be any type of loan.

Sounds like you made the most economical choice...we are not judging you, but when only limited information is presented...we will ask questions.

[bezoar]

Good decision - keep it in the family, if possible. No sense muddying-up the waters at work, if you can keep from it...

[edwards2]

Pinktiger - In fairness to some of the people who responded on this forum, you did put the question out there about who to go to for the money. However, I do think judgemental and negatives responses are out of line. We are not your judge and jury nor are we marriage counselors but I do agree asking your 86 year old mother would be a last, last resort. As far as money using your car title as collateral, a friend of mine did that and they only give you a percentage of the blue book value so unless you have a mercedes or bmw you probably wont get what you need with that option. My vote would be the boss. You dont have to give him chapter(no pun intended) and verse as to what is going on - just tell him what you absolutely have to. Good luck....

[sunshine08]

Thanks for clearing the information up for us. From the start of your post it really sounded like you just shared a place together. Again, not that it is anyone's business. Hope you have it worked out. Keep us posted.