As for bankruptcy--I don't think it would help. H has the consumer debt. Mortgages aren't covered in that, and I'm working on a forebearance that should go through, especially with some of the mortgage relief being worked out. I don't know if bankruptcy would affect the medical bill--probably not. And the only other thing would be my car, but I don't think that would be a good idea. Everything else is just utilities and things like that which keep recurring.
And in the "just when you think it can't get any worse" category...Took D13 for her long-awaited trip to the optometrist this afternoon. Had enough to cover copays and eyeglass frames. However, found out when we got there that H didn't get vision coverage for her. He's saving a whopping $6/month there. Medical insurance MAY cover an exam, but they're still trying to figure that out. It won't cover glasses. And I don't have enough to pay for them out of pocket. She didn't get her exam. And was sobbing in the parking lot. Me too. If I had known he wasn't going to cover her I would have. But that would have involved communicating with me, and he'd prefer to believe I don't exist.
I can't remember when I've felt this bad. D13 was so excited about finally getting glasses so she can read the blackboard; it was absolutely heartbreaking to watch her cry and know there was nothing I could do to help. I grew up somewhat poor, but we never lost our heat, we always had enough food, and when I needed glasses I got them. My mom didn't even graduate from HS--and I've been a professional for over 30 years, and I can't give my daughter the things she needs. I'm sure she'll never forget walking out of that office without the exam she'd been waiting so long to get; I know I never will. One of those defining moments of my life.
M60 H52 D20 M14 yrs OW-old gf from 1986 bomb-5/18/08 H filed for D-9/10/08 D final 4/24/09 xH remarried (not OW) 2012