I intend to live forever - so far, so good

[ClingingToHope]

KML. The formula here is 28 percent of the net income.

Here's the issue. STBXW ran up $15,000 in credit card debt, but it was my card so I'm stuck paying that. She's never given me a nickel of the debt, which was 95 percent hers.

We restructured loans to pay off her car, but I still have three years left on mine. So I have a car payment and she doesn't.

She outearns me by $10,000. Partly my fault. I let several chances to advance go because STBXW was hyper focused on her career and someone needed to be the shuttle parent taking the girls here, there and everywhere.

On the debts, her lawyer is playing games and including all of her debts after we split up and only including my debts while we were together. By my calculations, she should owe me $21,000. They are now offering $12,500 --- and she's going to pay it out of her retirement account which means if I use to pay off bills I'll have a big fat IRS penalty.

Here's the problem -- I have $370 per check that goes directly to a car loan, credit cards and 401k loans. I make enough, I just owe too much.

If that were magically to go away then another $100 every two weeks to STBXW wouldn't be a problem.

I did get a response from my L. He saw STBXW's L in court today and he said the reason they are asking for more is I'm making more.

I am, but only with second and third jobs. My main job hasn't given raises in three years and I made the same amount in 2010 that I made in 2009 at the first job.

The other two I didn't even make enough to have to claim a W2. The increase she's asking for is more over the course of the year than those two jobs added together. I guess she expects me to get a third job.

I've thought about this all day and the truth is I'm bankrupt. When this is over I will pay off my 401k loan and the legal bill and then hold on until the house issue is settled and then I'm going to file.