Need Pro help.
Hello.
A little background. Seperated in Nov 1999, Husband paid no bills. No child support; nothing. I was enrolled in school, stay home mom of 4 and babysitting 4. I used tax return to catch mortg and 2nd mortg up to May 2000. House was for sale for 8 months went to foreclosure in fall 2000. 2nd mortg $47,000 not paid in sale. At the point I seperated we Had excellent credit. My ex stupidly let what could have been a clean seperation run amuck by refusing to pay support or help with food or clothing or any household bills.
I was working with a man from First Horizon, who has just quit his job. He suggested without actually suggesting it (I had to bring it up) that Bankruptcy would be my best solution. I am current on my current bills but had the 2nd mortg. some hospital bills. No credit card debt except for JCPenney bill which I had intended to keep but they do not have an affirmation policy in affect and they closed the account. My new husband went through divorce and he had a mess from his ex wife (his was credit cards) and a vehicle she kept without paying for years unknown to him.
All said and done this is where we are now. Creditors hearing March 8th. And discharge 3 months later. I called First Horizon and they have no plans that will help me. My guy had already talked with a bank that was willing to take us 1 day out of bankruptcy.
We are paying $1300 in rent. We have been renting for 5 years. We have been renting the same house from the same man...no moving around. My husbands job is 12 years, my current job is 3 and before that 2 years. Our rent is going to $1500 this year and we will NEVER save money at that rate.
PLEASE PLEASE someone--it is crazy to pay this rent when a mortg would be the same amount of money. We would also qualify as first time home buyers. He has never owned. I have not owned for 5 years.
A little background. Seperated in Nov 1999, Husband paid no bills. No child support; nothing. I was enrolled in school, stay home mom of 4 and babysitting 4. I used tax return to catch mortg and 2nd mortg up to May 2000. House was for sale for 8 months went to foreclosure in fall 2000. 2nd mortg $47,000 not paid in sale. At the point I seperated we Had excellent credit. My ex stupidly let what could have been a clean seperation run amuck by refusing to pay support or help with food or clothing or any household bills.
I was working with a man from First Horizon, who has just quit his job. He suggested without actually suggesting it (I had to bring it up) that Bankruptcy would be my best solution. I am current on my current bills but had the 2nd mortg. some hospital bills. No credit card debt except for JCPenney bill which I had intended to keep but they do not have an affirmation policy in affect and they closed the account. My new husband went through divorce and he had a mess from his ex wife (his was credit cards) and a vehicle she kept without paying for years unknown to him.
All said and done this is where we are now. Creditors hearing March 8th. And discharge 3 months later. I called First Horizon and they have no plans that will help me. My guy had already talked with a bank that was willing to take us 1 day out of bankruptcy.
We are paying $1300 in rent. We have been renting for 5 years. We have been renting the same house from the same man...no moving around. My husbands job is 12 years, my current job is 3 and before that 2 years. Our rent is going to $1500 this year and we will NEVER save money at that rate.
PLEASE PLEASE someone--it is crazy to pay this rent when a mortg would be the same amount of money. We would also qualify as first time home buyers. He has never owned. I have not owned for 5 years.
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