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[tigerlily78]

Wow Ambi... that is quite a load of crap you are dealing with and you don't deserve any of it. How you can find so much compassion and understanding for your H for his part in the financial bit is really evidence of what a wonderful person you are... I don't know if I could find that strength of character in your shoes. You are REALLY a strong and remarkable woman. No matter what happens with the debt and the house and your H... you are going to be okay. It is just money. It seems like A LOT of money right now, but there are still options. That you are proactively thinking of solutions is good. That's what you need to be doing.

I understand you want to keep the house... that is completely understandable and it seems like you have a number of ideas for trying to make that possible. I don't know the "best" way to convey these ideas to your H. Perhaps just a plea... pay this month and give me the next 30 days to figure out how much more money I can swing. Give me that chance, please. If your H files for Chapter 13, then your home may be exempted from collection... but then he will REALLY have to get his "stuff" together and be serious about settlement and repayment.

Also, on the tax thing... The IRS does do installment plans. You pay a penalty and interest, but it is not worse than having credit card debt rate wise. I have an uncle who had considerable back taxes owed and he hired a tax lawyer who got the amount settled for considerably less. I don't know all the details for sure, but that is something you can look into when you have the more pressing problems addressed.

Sending positive thoughts and virtual hugs your way. Keep your chin up.