I've hit a wall.. Now what?

[talia]

Thanks HHH!! I hope to stop over to your sitch today -CONGRATS on talking to H about the tuition!!! SCORE one for you!!! It never hurts to ask!! (((HHH)))

Thanks Mayn - I feel like its still too early for me to file, but I'm willing to if needed - that's a big step for me!

I did meet with the L this weekend and he pretty much told me what I already knew. H can't really do anything to hurt me by filing first or by me pi$$ing him off
L agreed that its time to call H's bluff and asked me to copy him on the email. He's a friend of mine so technically I'll be Pro-Se but he's going to be looking over everything as I go. I feel better knowing I've got help.

According to L the fact that H abandoned me financially and hasn't helped pay the house since he left means he has no claim. He can't force me not to file for bankruptcy (apparently its your constitutional right) which he has been trying to do. I don't want to do that - but we have a lot of joint debt and part of me just doesn't want to deal with dividing it up since he's already ruined my credit, I might as well start over. Having a run in business that failed doesn't do well for your credit in general... plus H's spending habits and well... do they offer a credit score of 0??
L also says that H would be totally stupid to try and kick me off his health Ins - a judge would instantly reinstate me and he would get in trouble. So really I have no major concerns about telling him to stuff it.

My #1 goal through this is to keep my house. That's all I care about - I'm not losing my home because H is a moron.