Hi to all,
I've lurked on this board for about a week now and you are all very nice in answering questions. Just listening to all of you helps lessen the stress a little. Here is our situation: We have a house that is going into foreclosure. We tried to sell it for a year with no offers. Our agent is doing a short sale on it, but it's not working as of yet. We moved from the house to live with some family to try to catch up on bills. I was cut hours at my old work and my home business closed in May due to work shortage so that led to excessive use of credit cards to make ends meet. We are about 58k in debt right now and do not see us getting out of debt unless we live here for the next 2 years and pay on it. We are literally living in a 23ft trailer on their property right now with 2 small children. Not an ideal situation at all, but it's a start on a solution. My husband left his job when we moved here and although we've only been here for 2-1/2 weeks, he's having a heck of a time finding a job here so we've been using our credit cards for everything including buying this trailer for $2,500 to stay in and supplies to fix it up, groceries, school clothes ect. He had a job lined up and then they decided that they didnt' want to wait for him to move here or we would have waited. I have to have a small medically necessary surgery on Monday done and had to put that on a credit card - $5,500...we knew this had to be done over 2 months ago, but do not have insurance and wasn't foreseeing this situation happening. I know it won't be long before my husband finds work (he has a great background as a manager) and once 2 weeks is up after the surgery, I will find a job as well. My questions are: Can we file if we have used our cards to live off of these past few weeks because we've moved? We are in California and haven't spoken to a lawyer yet because we want to wait until my husband has a job so it doesn't look like we purposely used our cards, that isn't the case. Any snags that anyone forsees in our situation? Sorry so long.....
Thanks,
April
I've lurked on this board for about a week now and you are all very nice in answering questions. Just listening to all of you helps lessen the stress a little. Here is our situation: We have a house that is going into foreclosure. We tried to sell it for a year with no offers. Our agent is doing a short sale on it, but it's not working as of yet. We moved from the house to live with some family to try to catch up on bills. I was cut hours at my old work and my home business closed in May due to work shortage so that led to excessive use of credit cards to make ends meet. We are about 58k in debt right now and do not see us getting out of debt unless we live here for the next 2 years and pay on it. We are literally living in a 23ft trailer on their property right now with 2 small children. Not an ideal situation at all, but it's a start on a solution. My husband left his job when we moved here and although we've only been here for 2-1/2 weeks, he's having a heck of a time finding a job here so we've been using our credit cards for everything including buying this trailer for $2,500 to stay in and supplies to fix it up, groceries, school clothes ect. He had a job lined up and then they decided that they didnt' want to wait for him to move here or we would have waited. I have to have a small medically necessary surgery on Monday done and had to put that on a credit card - $5,500...we knew this had to be done over 2 months ago, but do not have insurance and wasn't foreseeing this situation happening. I know it won't be long before my husband finds work (he has a great background as a manager) and once 2 weeks is up after the surgery, I will find a job as well. My questions are: Can we file if we have used our cards to live off of these past few weeks because we've moved? We are in California and haven't spoken to a lawyer yet because we want to wait until my husband has a job so it doesn't look like we purposely used our cards, that isn't the case. Any snags that anyone forsees in our situation? Sorry so long.....
Thanks,
April
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