not even sure where to start

[karm43]

are you over medium income? If not you may get lucky and be a chap7. Even so you might be able to buy hamburg in a chap13. We are all with you!

[heywoman]

Thanks for replying so fast. Idk if I'd say the house is drain on the house. There's some things we need to fix badly. Oh, that's another thing: we heat with wood and a wood stove. yeah, good times. don't be jealous (lol of course). Again, that's ok! we're not too good for that. Anyway if we stopped paying our cards which will probably happen this month, it would free up probably over $800/month. We have a garden too, and use a clothesline. We managed to knock $50 off this months electric bill too. But do we just stop paying? I've read a little of the forums, it seems like we have to be careful about cash once we decide if we're going to file. And we would of course anyway. But you know, we might buy that tank of gas we've had our eye on. And go to the dentist. I may even get wild and go to the eye dr since it's been like 2 years since we've done that. no i'm joking, that's just what i do when I get nervous.
Thanks for reading this all, btw!

[Drazil65]

Hi, you are at the right place. We have all done it or are doing it. You will get a sense of peace here so stay a while. Invest some time and read everything on here you can, it will take you a while but the info is beyond what you would expect. We have all come a very long way and some us have a very long road ahead but we are here and we have made it this far.

If you were to stop paying the credit cards how much cash does that free up? You mentioned hospital/medical bills are there possibly more to come for future treatment? Is the house a drain on your finances as well as the credit cards? Is the house in one name or both of you? These are just some of the questions you might want to think about to get you started on your journey whichever road you take. Try to see at least 2 or 3 attorneys for the free consult, ask them alot of questions and keep looking for an attorney until you are comfortable. Interview them during this process and take notes.

You are with friends here and you will gain alot of knowledge, the knowledge will give you some control back and that will put you where you need to be with good solid decisions. Watch out you could get a bit obsessive with this site but that can be a good thing! Good Luck and keep us updated!

[heywoman]

My husbands pay has been cut over the past 3 years or so. Mine has too. We've cut the fat, the meat and now have hit bone. We haven't cable for about 18 months, we have one cell phone and it's a bare bones phone. We only have it because we can't get out of the contract. But when the contract is up in june we won't be renewing. We'll just do pay as you go, no problem with that. We have an old car that needs to be jumped about every other day lol, and one more decent Tahoe. They're both paid for. I say all this just to give a little background. we're not behind on anything except hospital bills from 2010 and 2011. My husband has health insurance on us and it's $130/week. His take home pay is now less than $7/hour, though he makes over $18/ hour. Our house will be paid of 1/2017. BUT it's become obvious we can't make it. It's just a matter of time. We're going to see a lawyer Thursday. We literally are living on hot dogs and eggs (and we only have eggs because we have chickens so they're free). And that's ok. it sucks, but we're not too proud. We have credit card bills and that's what's doing us in. I guess I"m posting just to get advice, support etc. I feel like we have to stay home every night for the next 10 years writing 100x on the blackboard "we will not overspend" as punishment. Any tips would be appreciated. thanks.