This sounds confusing but I am moving to another state in June and plan to sell my house. I don't think I will get tons for it but "could" get enough to pay everyone I owe. My bills are 95% due to an ex boyfriend. Yes, friends, I was schmucked over. 
I was engaged to this guy and of course he amazingly did not have any credit cards. (he said it was because he just moved here from Arkansas and hadn't established credit). He was a truck driver and made decent money so we used my credit cards and bought "stuff" we (he) wanted. He got a chain saw to make some extra money, tires for his pickup because we live in the snow, tools for his truckig job, new clothes because his weren't warm enough, bought a welder (again, to make extra money) yadda yadda. Then, he proceeded to abuse my daughter and I kicked him out. You guessed it - he took it all and I got the bills. I contacted an attorney but since I gave him permission to use my card there is no recourse for me. Nobody has to tell me how dumb I am but the bills are there none-the-less. The other 5% of the bills are medical due to my son's neck injury but that is only about $1,000. The total of all the bills is under $14,000. I hate to file bankruptcy but sure don't have the money. Can I negotiate with the creditor's to pay them a percentage based on the sale of my house. I would be willing to walk away with nothing in my pocket just to not have to file bankruptcy. However, my family says I am nuts - I should file bankruptcy and move on. I have no idea - any suggestions?
I was engaged to this guy and of course he amazingly did not have any credit cards. (he said it was because he just moved here from Arkansas and hadn't established credit). He was a truck driver and made decent money so we used my credit cards and bought "stuff" we (he) wanted. He got a chain saw to make some extra money, tires for his pickup because we live in the snow, tools for his truckig job, new clothes because his weren't warm enough, bought a welder (again, to make extra money) yadda yadda. Then, he proceeded to abuse my daughter and I kicked him out. You guessed it - he took it all and I got the bills. I contacted an attorney but since I gave him permission to use my card there is no recourse for me. Nobody has to tell me how dumb I am but the bills are there none-the-less. The other 5% of the bills are medical due to my son's neck injury but that is only about $1,000. The total of all the bills is under $14,000. I hate to file bankruptcy but sure don't have the money. Can I negotiate with the creditor's to pay them a percentage based on the sale of my house. I would be willing to walk away with nothing in my pocket just to not have to file bankruptcy. However, my family says I am nuts - I should file bankruptcy and move on. I have no idea - any suggestions?
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