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[quote=Anonymous][quote=Anonymous][quote=Anonymous][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]

They have been living off of the credit card for two years.[/quote]

No we haven’t. Read, please.[/quote]

You need to be more humble. You are asking for help after a period of living way beyond your means. You don’t like being told you will probably have to liquidate your assets or that your husband should think outside the box for work.

Bankruptcy is for people who have no other options. You have other options.

You don’t get to snap at people for telling you truths you don’t want to hear. [/quote]

No, she doesn't need to be more humble.  Posters need to be more helpful and responsive and less judgmental.  She made very clear what she's asking.  The "truths" she is being told here are not relevant or helpful.  They're just other women getting off on feeling superior.[/quote]

You are wrong. About so many things. She doesn’t get to come here with a chip on her shoulder and be rude to people who are giving her rude talk. You may sit the rest of this discussion out now.[/quote]

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