Divorcing to get away from husbands debt.....

[LostOne0069]

Well, I'm sorry that my comment "topped it" for you. As I said, I never intended it to be anything other than a light-hearted joke. That was the mistake that _I_ made in regards to your feelings and I apologise for it.

I'm sorry for the difficulties that you're going through, I know through personal experience that cancer can really be a nasty experience.

The thing to remember here is that many of the people on here... or even perhaps MOST of the people on here, have gone through, or are going through, their own extremely stressful and painful situations. Most on here are happy to commiserate with you and/or give advice. Don't take every comment that doesn't sound right as a personal insult until it is proven that it was meant as an insult and you'll probably be a LOT happier all around.

Good luck with everything.

[Minnymouth]

mystiquemia,

Please don't be mad at people on the forum for finding "humor" while in bankruptcy.... even though this time it was at your expense. They really mean well and don't mean any harm........

I'm sure it hit a "raw nerve" - we ALL HAVE THOSE THESE DAYS....... most of us are "very touchy" about some things.

But we do try to laugh and joke at ourselves, our mistakes, our misfortunes, and it helps make it easier to deal with it ALL....... Many loose their homes, etc. and still pick themselves up and try to find the humor in it all.

Sounds like your cup is full and runneth over these days..... lots of blows and problems coming your way..... probably more than you need to deal with these days.....

We're here to help you in anyway we can, if nothing more than to listen so you can get it off your chest and relieve some stress......

BK is hard enough, without all the EXTRAS..... AND SOMETIMES LIFE CAN REALLY SUCK!!!!

So be patient with us, we mean no harm, only good intentions......

Try to calm yourself down, get your emotions under control, look at life with a new outlook of things to come...... and LET US BE A FRIEND FOR YOU while your life is taking all these changes.....

I can't promise you that someone won't insult you on this forum.... we try to discourage that...... we don't allow much argueing (can't spell).......

We ust try to help answer questions and relieve some the stress, emotional and mental anquish of going thru bankruptcy.....

Bankruptcy is a "nerve wrecking" time in your life. The Trustee is in control of you till he's finished with you......

During your bankruptcy be sure to report any additional expenses (medcial & etc) to the Trustee if you are in a payment plan. They can adjust your payment - example: job loss, medicines, doctor bills, emergencies, etc.

Hope you stay with us - our intentions are really GOOD - though sometimes we do get a little out-spoken..... BUT we will also "cry with you" thru it all.

Minny

[LostOne0069]

I am worried! We have individual credit, nothing together except for the home we bought in november, with no equity in it.
We have a small business, last year we netted only $3500. Together we only filed for $21k for the year. But lately we have been making a little bit more.
By no means can he afford to make payments on his 65k in credit debt.
Would a divorce protect me,the business, and home? Or would it cause more problems. He said he would do anything to protect me.
Please help me I want to protect my credit and my life!
Any suggestions would be greatly appreciated!

Now that I've proven that I have a temper... I'll try and help!

I'm not sure where you're living, but considering the lowest median income for all states in the country is $39,075 (Mississippi) and the figures you give means that your max income is only about $25k or so... you're WAY below the median and should have any problems with a chapter 7 if that is what you want.

Unless you have some kind of valuable asset that is in your name only that your husband wouldn't get half of in a divorce... divorce is likely to just end up costing you money, not saving it. Divorce isn't free or usually as easy as you think it is. Since there are children involved things get messy whether you want them to or not as the court appoints someone to look after your kids rights... and all that costs money.

Now, as for a bk. If you don't own any assets that you need to protect, like a house or a car or whatever... then I don't see what the problem is. If your business only netted $3500 last year I can't imagine that it has a lot of assets so the trustee will ignore it except as a source of income for you and your husband. Remember, the trustee wants to get money out of you... They're not going to sell something if it won't gain them anything.

To help any further, we'd need to know more about your situation... do you have assets to protect etc. etc. etc. You mention you don't have joint assets but don't mention if you have anything seperately. If all of the debt is in your husband's name and not yours, he can file bk by himself and, while I can't say it won't affect you, it'll have a lot less affect on you than if you file jointly when you don't need to.