Do I file for Bankruptcy now? HELP PLEASE

[Never_Again]

Hmmm....

[LuciluS]

First thing you need to do is find a SAFE place for you and your children where your husband cannot find you. Go to the police dept. and file an Order of Protection against him. Look in the phone book and see if there is a Women's Shelter.

Use 'Google' on the internet & find the closest place you can get to. If your husband is abusive, you need to get out. I hope you know how to delete files all the way to the hard drive of your computer, as your husband may get nosy & find out you have been posting.

Paying Your Credit Cards is the Last thing you need to worry about. Get to a Safe Place and then call Legal Aid and see if they will help you look into getting a Divorce FIRST so you can receive child support for your children.

I wouldn't worry about filing BK until you have a job with a stable income. There is nothing a Creditor can do to you. They may put a Lien on the home, but a Judge would have to grant that.

Also, I don't know how long you've been married, but if their is any equity in the home, you should be entitled to 1/2 of that. If your husband has a 401k plan at his job or an IRA, you should be entitle to 1/2 of that in your divorce.

Please, for the safety of your children, find a Safe Place to go to.

Luci

[BigJohn]

I know , but I don't know where or how to begin. Too many mistakes, too much to deal with. It really is hopeless. Feel like crawling in a hole. Can't find a job , which i need so desperately.

I think you got to sit down and look at all of your options.

You blame yourself but deep down you blame your husband. Because of this, I think you need some counseling. Right now you don't seem to be seeing things straight.

You have mentioned you havetaken on debt your husband is not aware of (buying your friend a motorcycle for $5,000). Is there any other debts like this you have created?


How much in debt are you to credit cards?

[AngelinaCat]

Okay, the OP is in enough trouble. Let us hope that she takes the advice given to seek shelter for herself and children. She knows that she has several issues to deal with. I think this thread has run out its usefulness, therefore I am closing it.

Good night All.

[lrprn]

You blame yourself but deep down you blame your husband. Because of this, I think you need some counseling.

BJ, this is probably true, but the OP didn't ask for your opinion about what her emotional issues might be or how to fix them. She already said she was aware of options to escape her abusive relationship but so far has not felt able to pursue them.

You have mentioned you havetaken on debt your husband is not aware of (buying your friend a motorcycle for $5,000). Is there any other debts like this you have created?

Again, this information is not necessary to answer the OP's questions and won't support her emotionally.

If you want additional information from a traumatized person, it's often more helpful to ask in a less direct way.....for example, "Are there other debts that need to be included that you haven't mentioned yet?" Asking her to tell us if she lied to us or deliberately withheld information isn't going to help her deal with her damaged self-image any better - in fact, it does the opposite.

Just some friendly suggestions....