Hi everyone, just here for some advice…

[Weaseljuice3]

My husband and I are getting divorced (amicable) and he just filed his chapter 7 bankruptcy. I’m going to follow suit in the near future, but I make considerably more than him so I’ll be stuck in a 13, so I’m here to search for some advice. That’s all. Hello!

[shipo]

Welcome Weaseljuice3, my wife and I separated back in 2013 and the reverse happened; she filed Chapter 7 in 2014 and I was forced to file a Chapter 13 a year later.

If you are going into a 13, make sure you find a very experienced bankruptcy attorney, and make sure you have a new(ish) car before you file. If you don't, trade yours in and buy something new along with all of the maintenance and extended warranties, and then roll those costs into the note, which will then be paid from your bankruptcy. Under no circumstances should you do what I did and enter your 13 with a (then) 14 year old car nearing 200,000 miles on the clock.

[Weaseljuice3]

Thank you. My ex’s attorney has been here doing this since the early 80’s and as soon as my ex’s meeting is done he’ll start my case. I’m not happy about my divorce but I’m lucky in that my ex is willing to help me through it. It’s just sad to me that we’re better off not together, but moving on.

I’m sorry to hear you went through the same scenario and with an older car. I’m lucky and have a 2022 with 30k miles on it and a good warranty. My ex’s best friend owns a mechanics shop and does all my maintenance for me (if needed). I had a 2020 but it was replaced under the lemon law in 2022 so I got to start over.

I bought the trailer for us to live in because we couldn’t afford to move and pay off our debt. It was a risky decision but we were hopeful it would work out. Then the landlord changed his mind and we opted to stay in the house. We used the trailer for a few short camping trips and then parked it. We tried to sell it but we were upside down on it due to the COVID market, or that’s what my ex said… I have no idea what to do with the trailer, but I don’t want it, I can’t tow it, and I currently owe what the bluebook value is. I’m worried about USAA attaching the $18k from my credit card to the loan.

If the loan isn’t attached, would I be allowed to sell it? If it’s strictly for the payoff/fair market value amount?

Welcome Weaseljuice3, my wife and I separated back in 2013 and the reverse happened; she filed Chapter 7 in 2014 and I was forced to file a Chapter 13 a year later.

If you are going into a 13, make sure you find a very experienced bankruptcy attorney, and make sure you have a new(ish) car before you file. If you don't, trade yours in and buy something new along with all of the maintenance and extended warranties, and then roll those costs into the note, which will then be paid from your bankruptcy. Under no circumstances should you do what I did and enter your 13 with a (then) 14 year old car nearing 200,000 miles on the clock.

[shipo]

Weaseljuice3, a few comments:

• It is good you have a newer car and a good attorney, a definite bonus.
• In our case, we were separated full time for about a year, and then we started dating again; we got back together about two and a half years after separating, and all is good now.
• I cannot comment on what your Trustee will do about your trailer; that's more of a question for your attorney.