Don't know where to post... fits into several forums.
Here is a basic run down of my situation.
Husband left and moved to another state. Filed for divorce (no kids, no business etc.) and thought it was going to be it. He lost his job in the new state and started searching for work. After 90+ days without work, he came back to CO and started working. That job lasted all of a year before another layoff.
He thought we could reconcile. Keep the house and work out the debt. After he moved back into our mortgaged (X2) home life is MISERABLE. We don't get along and I don't think we can.
Between the first and second mortgage we are about $15k-$20k+ shy of actual value on the house. We both have seperate car loans and two to three really past due credit cards a piece.
I started receiving notices from a law firm several months ago on one of my cards. After talking with them and trying to compromise I was just served. I'm due in court with them in a month.
We don't have the money. Come to find out he has been to court on two of his old cards. I'm at a total loss.
I have to get out the house for my own sanity, piece of mind and safety. At this point I don't know where to start. I've looked at filing alone, but I don't want to screw him (it will bite me hard) and looked into a couple atty's. I can't pay upfront and none of them list anything about payment plans on their sites. Is it even feasible to try and self-file?
My pride has kept me from calling an attorney, I've tried for 4 years to do this on my own but keep getting major set backs. My head is through the brick wall, and I think I see a brighter shade of green and happy. He has been laid off from three companies since returning. Each time throws my plan out of whack.
Please... any advice, referrals, support from someone that has been as dumb as me. I don't know which way to go. Can I file alone? Should we file together? Can I do it Pro Se or would it be best with an attorney?
Here is a basic run down of my situation.
Husband left and moved to another state. Filed for divorce (no kids, no business etc.) and thought it was going to be it. He lost his job in the new state and started searching for work. After 90+ days without work, he came back to CO and started working. That job lasted all of a year before another layoff.
He thought we could reconcile. Keep the house and work out the debt. After he moved back into our mortgaged (X2) home life is MISERABLE. We don't get along and I don't think we can.
Between the first and second mortgage we are about $15k-$20k+ shy of actual value on the house. We both have seperate car loans and two to three really past due credit cards a piece.
I started receiving notices from a law firm several months ago on one of my cards. After talking with them and trying to compromise I was just served. I'm due in court with them in a month.
We don't have the money. Come to find out he has been to court on two of his old cards. I'm at a total loss.
I have to get out the house for my own sanity, piece of mind and safety. At this point I don't know where to start. I've looked at filing alone, but I don't want to screw him (it will bite me hard) and looked into a couple atty's. I can't pay upfront and none of them list anything about payment plans on their sites. Is it even feasible to try and self-file?
My pride has kept me from calling an attorney, I've tried for 4 years to do this on my own but keep getting major set backs. My head is through the brick wall, and I think I see a brighter shade of green and happy. He has been laid off from three companies since returning. Each time throws my plan out of whack.
Please... any advice, referrals, support from someone that has been as dumb as me. I don't know which way to go. Can I file alone? Should we file together? Can I do it Pro Se or would it be best with an attorney?
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