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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]Even if you could get your debt discharged (which you probably cannot), how will you get by afterward when you have all of the same expenses and your husband is still unemployed but now you don’t have access to any credit lines to cover your shortfalls?[/quote]

We would have at least $800 a month more if we didn’t have to pay minimums.[/quote]

Sure, but something got you into the debt to begin with.  It didn’t just happen to you.[/quote]

About 90% of the debt was accrued before my husband lost his job. We thought we were on track to pay it off eventually. And then the rug got pulled out from under us.[/quote]
How did you run up that much consumer debt while your DH was making $100k/year in a low COL area?  Do you have anything you could sell to help pay off the debt?[/quote]

Lots of medical expenses that insurance didn’t cover. Therapy. Vet expenses. Dental expenses. Travel to take care of aging parents. It adds up quickly.[/quote]
Do you not have any of those expenses anymore?  I’m not trying to give you a hard time, this is a serious question.  If you file for bankruptcy, you will not have access to a credit card for a while.  If you ran up all of this debt when your household income was double what it is now, how confident are you that you can get by when you spending is limited to bo more than what’s in your bank account at the moment?[/quote]

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