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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]No. The court will likely force you to sell the home, unless you live in Florida. I’d recommend working with a credit union to refinance all your credit card debt into a fixed rate loan and pay it off over 5 years. Your husband MUST work. [/quote] He’s been looking and looking for work. He’s not getting hired. Whatever he gets, it has to be enough to cover daycare for two kids under 5. He used to make over 100k.[/quote] This sounds like a really tough time. But he can get work on an off shift at a grocery store or some other type of shift work job. The. You would t need childcare. Your situation is not sustainable. Bankruptcy won’t save you. [/quote] Have you been through bankruptcy? Are you a bankruptcy lawyer, or otherwise an expert? If not, then kindly STFU about how we’re not working hard enough.[/quote] DP. Bankruptcy addresses debt, PP is addressing INCOME. No one is saying you or he are not trying but since it's not working you need to try something different. Can you relocate and live with family until you can stabilize things? Is your SN child eligible for any early childhood program? He can find any job that brings in income in evenings and on weekends, stocking shifts, etc. are safer than Door Dash or Uber, but, those are options too. Addressing your debt is a temporary fix of one set of your issues, you need income from any retail or other job/splitting work & childcare shifts to help address the rest. https://www.thebankruptcysite.org/ [/quote]
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