soo the latest, and on the heels of the "I don't swear' thread I am ready to curse it up royally. There is a time and a place. '
I am ready to file my bankruptcy. As a quick refresher I had a foreclosure almost 3 years ago, the 2nd was not paid since the house value dropped $100K, they came back and have legal standing to ask for money. I worked out a painful deal but one that I could live with and I was going to be free of this and kinda broke, but no bankruptcy. Then my ex (who was unfortunately still on the loan through the situation out of my control) said he could sue me for the amount that they collected from him. I got legal advice and am filing chapter 13 bankruptcy because that will discharge any obligation i have to him, it also pays on the bills which I feel better about. I had a small credit card debt and a small dental debt that I was able to pay off but I cannot exclude those in this BK due to the rules. So it took 2 factors to make BK my only option, the 2nd mortgage being so high and my ex saying he could sue me.
Now I find out that my tax return is factored in and it is large because I have a very low income and pay medical insurance for everyone. The total I will pay into the BK now will be more than the deal I worked out plus I will have a BK on my credit and 2 bills i was perfectly capable of paying will not get fully paid. I have the option of getting the tax return and spending it before filing or filing now with some combination of paying over a longer time or more per month, but adding years until I can start counting the 7 years. To say I am pi$$ed is an understatement. I want my deal back and an agreement he won't sue me. BK gets into my privacy more which means i am pushed into a conventional overextended lifestyle since savings can be taken but if I spend the entire tax return I basically get to keep it.
I feel this is another manifestation of the abusive relationship we have had, I don't have choices I would have had simply because he has not communicated or cooperated. And overall it is costing me more money than what I had worked out independantly not to mention a possibly unnecessary bankruptcy. I am deciding what to say to my lawyer in the BK and to his lawyer, all documented and legal, I wonder if there is any way to show ongoing financial harrassment post divorce? It seems that it isn't that severe like parents who never pay child support but I have a reason to say this.