I'm so stressed I can barely eat/sleep. I love this board and I'm hoping you all can help me. I've met with two lawyers for their "Free Consultations." I feel a little rushed in their so I think of a million questions after the meeting. My story is this. I am married, two kids, my husband makes just enough to cover mortgage and car payments. I have to come up with everything else. I'm a waitress and there are nights that I don't even get a table. We are about 20,000 in credit card debt and late on all payments. I have a 1st mortgage at 99,000 and a Heloc (closed) at 100,000. My house according to zillow is 215,000. We don't want to loose the house or cars. If I could just get rid of the cc, I think we could manage. My kids don't even have heatlh insurance. Just paying the minimum on these cards is around 400-500 a month. Is it crazy to file with 20,000? The lawyers are saying if I can't make it, my credit is already shot!! Friends are strongly advicing me not too, that I will never recover. I did just land a management job this week, so things might be looking up soon. We are still above our means. We would like to eventually sell the house down the road, is that something that you can do after bankruptcy and then will anyone rent to us anyway....MOMMY. Oh and if our family every found out.. Also, would it be wise for me to just file and not my husband. All the debt is in my name anyway?
Thanks
Thanks
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