Everwhere is walking distance if you have the time

[ClingingToHope]

Oldtimer, once I found out I could include the house it made the bankruptcy decision easy.

I didn't want to be in a situation where I got myself back on my feet, some money in the bank only to have the mortgage holders come after me if XW loses the house in foreclosure.

That can happen. The mortgage holders can go after the people who lost the house to make up for their loss. I've only seen a couple of banks do that here and normally only against people with assets.

So I don't think it would be likely they'd come after me, but I wanted to protect myself in case they did.

It doesn't affect XW in any way. If she can make the payments and stay fine. If not and she loses it then I'm protected. I think this also will end the collection calls to me over this debt.

My long-term worry there is that if XW loses the house she may move to a different school district. But I have no control over that and am trying to let those thoughts go.

IEP meeting went well. I listened to a Christian station on the way up and the chorus of one song stuck with me.

"You are more than the decisions that you made."
"You are more than the sum of the past mistakes you made."
"You are more than the trouble you create."
"You've been remade."

So I hummed that to myself during the meeting.