Met with the attorney and signed the paperwork today and will be filing on 2/26/10.
She told me not to worry and that I'm not going to have a problem. But I can't help it. They have me at a positive DMI of $1,300. But stated that the totality of circumstances (that positive becomes a negative just as soon as I have to get an apartment, obviously, there are areas that I will need to tweak in my budget when the time comes, plus there are some items that go away when I do move out of the house) would not push me into a Chapter 13. Which I can't do. I simply need to come up with the money for my summer childcare by June. And if I can't, I'm out of a job.
I still kick myself for keeping my house when my ex and I split. It really was my decision to keep the house that contributed greatly to this mess I am in.
On the bright side, since I told my creditors that I am filing BK, I haven't gotten a single call. Other than the couple of collection calls that were for someone else who I don't even know.
I will be glad when this whole thing is over with. My kids are starting to react to the stress that I have been under for the last year when it became apparent that I was in serious trouble.
She told me not to worry and that I'm not going to have a problem. But I can't help it. They have me at a positive DMI of $1,300. But stated that the totality of circumstances (that positive becomes a negative just as soon as I have to get an apartment, obviously, there are areas that I will need to tweak in my budget when the time comes, plus there are some items that go away when I do move out of the house) would not push me into a Chapter 13. Which I can't do. I simply need to come up with the money for my summer childcare by June. And if I can't, I'm out of a job.
I still kick myself for keeping my house when my ex and I split. It really was my decision to keep the house that contributed greatly to this mess I am in.
On the bright side, since I told my creditors that I am filing BK, I haven't gotten a single call. Other than the couple of collection calls that were for someone else who I don't even know.
I will be glad when this whole thing is over with. My kids are starting to react to the stress that I have been under for the last year when it became apparent that I was in serious trouble.