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[Ambivalent]

This is what I have drafted:

So, I cannot get an immediate job of 36,000. dollars a year.


I can take in kids and get a boarder, which I've already placed ads.
At minimum, 500.00 a week, which is maximum five children x 100. gets 2,000. per month.


Plus one boarder at 500.00 a month, that is 2,500.

If the house is placed on the market, I cannot get a boarder or children.

Can bankruptcy be filed? What options would that give?

After, Jan. when the school is paid the December payment, and only then will they let me graduate. I can take my boards. The exams for the state are a bit over a hundred dollars each.


I can then apply for a job in the field. Without my Masters or laser training the salary will be lower. The laser course is much less than months of the Masters program.

Another option is your choice. I do not recommend it, but it is up to you. You could default and do what you said earlier with an attorney. You said the attorney could buy time and allow for a banking of the mortgage payment.

I'm not sure how long that would be, do YOU? The legal consultant told me it could be up to two years.


I have been looking on Craigslist for Townhomes or single family homes. The dogs , no carpeting , and no credit are a real concern in my displacement.


I am not comfortable with the house on the market, for again the dogs are a factor, the possibility of them getting loose or one of them biting a stranger/child could be problematic or a legal issue if I'm not home .

The sheds and the attic need to be emptied, and it would have to be done as a team. Do you think you would do this as a team?

Because this is what you want, insert something here,

I believe we need to do this together. I am not physically in the condition or age to move all this on my own. Strangers can do the big move, I believe the cleaning out of things and decision making needs to be done by us.


Another option is to set me up in a townhome or house, move me into it, and then the utilities and mortgage can be stopped here. The house could be placed on the market with whatever I'm not bringing with me, the dogs or keeping the place in show condition would not be an issue.

That would cut the mortgage, and the utilities out here Perhaps gas may go down as well if I leave this area.



There is an issue of the age and condition of the SUV. It could stop at any moment and the ability for me to secure a vehicle without credit, or income history is problematic. Getting rid of it isn't the best idea either, for all of us could use it to move things that a car cannot and it is payment free. If you xxx ,xxx , or I need something in an emergency, we have back up. Just another thought and something we had discussed earlier.

I have been looking for something near our daughters for one wants me closer and the other will too.


The dogs need an area to go out, and fencing is a must. Three bedrooms minimum and a den will be needed. Hopefully I could pick up some side work with the equipment from the spa. This is why I really should have three bedrooms.

Moving from this area eliminates my customer base that I was building at xxx.

These are some options, perhaps you would care to brainstorm again, based on the new input and thoughts?