Hi Everyone, I've been lurking on here for a long time, i've made a couple posts and comments but not too many. I checked this forum out a lot when I did my previous bankruptcy. Right now I just want to write a little bit about me and explain my situation and see if anyone can relate.
Back in April 2002 my husband and I filed a chapter 13 bankruptcy, we were 23 years old. We had split up and reconsiled after 6 months (divorce papers were filed), during our separation we both incurred a lot of debt, as many of you know finances are big a streser, so we filed a Chapter 13. After 2.5 years into the plan we had a baby boy and after consulting a new attorney we decided to reaffirm our second mortgage and our vehicle loan and convert to a chapter 7, the chapter 7 was discharged in June 2005. Well, now we are here again.....I feel like such a failure. We are signing papers to file chapter 13 again on October 9. We ended up buying a new house, which we were able to afford, and then 4 months after moving we found out we were pregnant again (completely unexpected, first child was conceived after much fertility assistance, second got conceived while on birth control). When we purchase our house, my parents were watching my oldest son (no daycare charges)....he was an only grandchild, then came my niece, then 2 more neices, then my newest addition. Grandma and grandma no longer babysit.........here comes an additional $600/month, grandma still was watching baby for me, then grandpa passes away in August, grandma can't do it anymore, here comes another $400.00 for childcare....husband gets hospitalized for collapsed lung, out of work for 5 weeks ($5000.00 bill now)! I was already barely making it, increased gas and everything (I have a 70 mile communte for work each day), haven't received a raise in 3 years! I didn't have an economical vehicles, I had an SUV (I am surrendering this, and just purchased a impala last weekend which will get double gas mileage). Husband and I have been at eachothers necks for several months because we don't have money to even really get groceries, my 4 year old just asked me last night, "mommy, why are you never happy", I just cried and went into my room and closed the door. I just don't know what to do anymore, then I get a call from my grandma a little bit ago saying she wants the $2000.00 back, that my grandpa borrowed me in 2005 and said I didn't have to pay back, she said sorry, but I want it. I DONT' HAVE IT! I am so scared that the trustee is going to tear me apart at the meeting of creditors, especially since I went and purchased a new vehicle right before filing and am surrendering one (but I'm saving $275.00/mo at least doing this), and because of the past bankrutpcy. I just dont' want to be a failure anymore. I want to get a long with my husband and be a good mom. Any advise.
Back in April 2002 my husband and I filed a chapter 13 bankruptcy, we were 23 years old. We had split up and reconsiled after 6 months (divorce papers were filed), during our separation we both incurred a lot of debt, as many of you know finances are big a streser, so we filed a Chapter 13. After 2.5 years into the plan we had a baby boy and after consulting a new attorney we decided to reaffirm our second mortgage and our vehicle loan and convert to a chapter 7, the chapter 7 was discharged in June 2005. Well, now we are here again.....I feel like such a failure. We are signing papers to file chapter 13 again on October 9. We ended up buying a new house, which we were able to afford, and then 4 months after moving we found out we were pregnant again (completely unexpected, first child was conceived after much fertility assistance, second got conceived while on birth control). When we purchase our house, my parents were watching my oldest son (no daycare charges)....he was an only grandchild, then came my niece, then 2 more neices, then my newest addition. Grandma and grandma no longer babysit.........here comes an additional $600/month, grandma still was watching baby for me, then grandpa passes away in August, grandma can't do it anymore, here comes another $400.00 for childcare....husband gets hospitalized for collapsed lung, out of work for 5 weeks ($5000.00 bill now)! I was already barely making it, increased gas and everything (I have a 70 mile communte for work each day), haven't received a raise in 3 years! I didn't have an economical vehicles, I had an SUV (I am surrendering this, and just purchased a impala last weekend which will get double gas mileage). Husband and I have been at eachothers necks for several months because we don't have money to even really get groceries, my 4 year old just asked me last night, "mommy, why are you never happy", I just cried and went into my room and closed the door. I just don't know what to do anymore, then I get a call from my grandma a little bit ago saying she wants the $2000.00 back, that my grandpa borrowed me in 2005 and said I didn't have to pay back, she said sorry, but I want it. I DONT' HAVE IT! I am so scared that the trustee is going to tear me apart at the meeting of creditors, especially since I went and purchased a new vehicle right before filing and am surrendering one (but I'm saving $275.00/mo at least doing this), and because of the past bankrutpcy. I just dont' want to be a failure anymore. I want to get a long with my husband and be a good mom. Any advise.
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