Fighting a Losing Battle

[Spartan]

Not to worry. The BK is exactly there to relieve people in your situation. It will be sorted out and cleaned up, and you and your daughter will absolutely be on the right track to a much better, less stressful and happier life.

Other members will chime in with more specific advice. They are far more knowledgeable than yours truly, in this area. What I do know is, right now, you are way to stressed out by the limbo you are in, and thus, it is hard to see the bright side of things. But rest assured that, there doesn't seem to be anything in your situation that cannot be remedied. If you read around the forum, you will find that a lot of us are or have been, in deeper troubles. But things do get worked out. Again, I don't seem to see anything in your case that is unsolvable. So, step back and take a deep breathe. Look at it this way, by Summer, you and your daughter will be on a new and better chapter of your lives.

[HopefulInOhio]

I don't know how much more of this I can take. It's the waiting that has me going nuts.

My court date for my divorce is not until Jan 5th. I cannot file bankruptcy until we see what my stbx is going for and his attorney is nuts. Once we see where we stand, if need be, the bankruptcy will be filed then and a stay will be put on the divorce since it's a civil matter.

So only then will I feel some relief.

I have 7 credit cards and a total of a little over $20,000 in debt. I cannot pay any of them and expect to survive. Every cent I make goes towards bills and my daughter. A divorce and bankruptcy is costing me legal fees and any left over money I have goes right to that bill.

I can't even afford to heat my home with propane and will be using electric heaters until I can pay for propane, which in turn will run my electric up.

My mother actually received a phone call from one of the creditors much to my horror. A $700 credit card collector wanted a $40 payment.

Then, today Dell sends me a letter - well, rather a collector sent me a letter representing Dell. I owe them $1000. What happens now? Do they come after me in court??

I'm so lost and down - I keep putting on that smiling face though. My court date is 4 weeks away and I'll know something then - how we proceed with the bankruptcy will come out then. I'd like to have my divorce over with first and this court date may do that. But, if I stand to gain a lot as a settlement, we need to know that too.

I'm so stressed out I have no idea how I function anymore. I just feel like anyone that looks at me knows I'm broke. As of now, I am. I just spent my last $20 on food and gas. I get paid Tuesday and get child support as well, but that's already spent on bills..what else??

Has anyone been this broke before? If so, how in the world did you keep your head up? I might make it thru better if I wasn't going thru a divorce at the same time, but I'm in shock of how my life got this way at the age of 40.

I see couples together at the stores and places and I just want to run home. Not that I miss him because I haven't in a long time, but it's the idea of how alone I really am in all this. Panic attacks are setting in alot and now the idea of how I've got to find my own medical coverage is starting to eat me alive too. Whether it's at work or thru somewhere else, it's yet another bill I'm going to be stuck with.

I know I sound like I'm droning on and on, but I'm just lost. My divorce is happening due to my stbx having an affair. I was working part time while being a wife and mother which was what I wanted. I was with him for 17 years. He up and leaves. I thank God for getting me grants to return to school for that is the only thing that has saved me all these months knowing my mind is still able to work.

I have a student loan that comes thru on Jan 3. It will help me pay my attorney, get moved to an apartment where living expenses are less. I also have my income tax coming back late Jan. Who knows how much as of yet.

How will that loan and income tax affect my bankruptcy once filed? I tell you what...most all of it is accounted for already with a little left over. Will it be held against me even though that money will get me thru a very tough patch?

The repairs, utilities, heating on this home is eating me alive and I need to move. My daughter and I have been here for 17 months alone and we are both so depressed we can barely move. I feel like the world's worst mother to have her in this kind of life.

I'm just so overwhelmed I have no idea what to do anymore.

Someone tell me they've been at this point before and that it CAN get better for I just don't see it. I see myself in so much trouble for this debt that I'm gonna spend the rest of my life with judgments and sitting in court with legal fees thru the roof. Someone please tell me they've this far in debt, broke, depressed and saw light finally one day.

I just want to roll myself in a ball and have someone roll me down a hill.

Sorry for the whining and the long post. Just very sad with the holiday and all. Thanks for listening. I'm tired of feeling sorry for myself but don't know how to see any hope. With the phone calls and letters now, I'm having small heart attacks daily.