Totally agree BG, I'm glad you posted! Like I said, I think I was probably out of my depth when I posted it!
You are fabulous with this stuff :)
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Totally agree BG, I'm glad you posted! Like I said, I think I was probably out of my depth when I posted it!
You are fabulous with this stuff :)
Hi Hun - just popping in to see how you are going
I was also wondering how you were and how things went on Friday. I was thinking of you (I had read but hadnt had time to reply before then)
Good on you for finding the strength, to getting out of that mess LMS.
Hope you're doing ok honey.
Slowly working it all out. I'm out of the woods and can breathe normally.
Not entirely happy with the end result but its a life lesson and i have the support of my DP that we will get through it all.
Thanks again for everyones support, i was a mess at first and you all grounded me and made me see clearly :heartbeat:
Can I ask what you decided to do hun?
Sent from my iPhone, more than likely while I should be doing something else!
I was wondering too hun. It's a big debt and to say you're out of the woods is huge! Or did you go the bankruptcy route?
Ive decided to go bankrupt. Because will all our bills and expenses we are in the minuses (thats providing theyre paid on time)
If i was to get a loan from anywhere i couldn't afford to pay it off. With a new baby on the way i need to think realisticly. My credit rating is beyond stuffed, for the next 3-7 years i don't see anything changing much and all the accounts are all in DP's name and so without dragging him down with me it seems like the only way, the sensible option i guess you could say.
:hug: that's a big, hard decision. I'm again sorry you have to face this stress. I guess all I can offer advice wise is to say don't buy a home or any other items of extreme dependance in that time, as it would be under only DP's name, and if you ever split for whatever reason you could lose your home. I hope this decision can bring you some sense of relief.
whilst this is strickly true, realistically she probably wouldn't be able to afford the repayments on her own and as they have been de facto for so long she would still be entitled to either a property settlement or a portion of the profits if it was sold.:
Glad you are able to breathe and now have a chance to sort things out and can start again.
Sent from my iPhone using Tapatalk
This must have been a very heartbreaking decision to make.
I hope the process goes smoothly for you.
There is life after bankruptcy... My Dad was declared bankrupt when I was little. He now owns his own business and a beautiful, huge house.
Don't stop believing in yourself.
Hugs
Hard decision, but I bet it feels like a huge weight has been lifted off your shoulders. I'm here if you need a chat.
I have just seen this thread, there is some great advice in here.
I am going thru very similar situations, nearly lost our house numerous times, private numbers calling every day, and like you I did the worst thing and ignored it most of the time. I dread making the calls and put it off which just works out bad and makes things worse.
Your not alone, even though I know it's hard not to feel like you are, I feel like I am all the time. Your dh sounds involved which is good, mine has severe health problems at the moment and money is the least of his worries so it feels like it all falls on me.
Feel free to contact me if you need to just chat with someone in a similar situation ( although it seems you have a lot of support on here already :)
:hug: