Magnificent

[kat727]

OK, So ex stopped paying his obligations that were assigned to him within 3 months of the D. I went to see a L to see what recourse I had. It seemed I could take him to court and sue him but that would probably just speed up his B.

After a lot of struggling and a L giving me some good advice, I decided to file. It cost 1500. I did a chapter 7 which wiped out everything except the house that I wanted to keep and had never missed a payment on. Part of which type of B you can file depends on what your income is and the number of dependents. It may vary from state to state. You do have to go to credit counseling. They told me my monthly minimums would actually increase which I couldn't afford. They told me that B was the only way as well.

So I filed after my L had me spend my tax refund with receipts. I had a meeting with the court trustee and 3 months after the date of filing my B was dismissed. My parents have been a great help to me and have helped me to get back on track. They were able to cosign with me and I got my car.

Weigh out your options but start with credit counseling and they will let you know if there are other options for you first. Any other questions, feel free to ask.

kat