Wednesday, October 24, 2012

Down this road

We met with a Bankruptcy attorney on Friday.  We will be filing Chapter 7 as soon as we come up with the $1350 in costs to file.  The attorney was VERY nice.  I had thought I'd feel like he was judging us...or looking down on us.  But in fact, he made me feel the opposite.  He made me feel like this was a good option for us, given what we have in debts.  That we shouldn't be ashamed that it's come to this.  I'm still not happy that things have gone this way...but it's a HUGE stress relief knowing that I won't have these bills hovering over me anymore.  That our creditors won't be able to call us and harass us.  Though it does go against everything I've learned to NOT pay our creditors...but that was his advice.  Stop paying, save the money to come up with our filing fees, and file.

We're also looking into a loan modification for our mortgage. 

This is a hard road to be on...very rocky and uncertain for us.  But we're trying to remain in the center of the road so we don't fall off the sides.

Thursday, October 18, 2012


I took an unexpected blogging hiatus this past month...because things have been stressful.

Long time readers know that DH and I have had our issues.  We've been in counseling once a week since January.  Things would be good for awhile...then we'd get into an argument and things would explode into an all out shouting match...complete with divorce threats.  Things have been much better lately as we try to implement some of the things we've learned in our sessions.  Our finances, however, remain our stressor.

DH is still not working.  It's been 10 months.  Unless something changes, his unemployment will cease in December.  We're squeaking by every month thanks to being "private" clients at our Bank...which means no OD fees when (not if) we fall short, which has been alot lately.  All our bills are current, but our savings is gone.  We have a little money set aside for things for Lexi for the book fair or popcorn she can take $2 or $3 and take part in the activity.  We've pulled her out of her daycare, which she was only going one day a week anyway, but she misses her friends at "little school" and doesn't understand why she can't go anymore. 

We have 2 appointments tomorrow with bankruptcy attorneys for their free consultations.  We don't want to go down this route...but we may not have any other option.