Do you have any suggestions about my financial situation? Please serious answers only?
Last April, my husband was laid off. He began to drink even more arguments and began to literally nothing. I put his resume on Monster.com, and he got a decent job as him. Its consumption has continued, however, and as far as I know, he would try harder to make me start to rage during a fight. After he started his new job, he just decided to cut me off financially – no warning. I did not pay in the summer so that he also knew that it was the best time to do me harm. In August, he told me to file for divorce. I suggested a separation, but he insisted, divorce and was so violent, I put the papers. He had terrible credit, primarily because of identity theft that I need to clarify worked for years, then all credit cards and loans in my name alone. I tried to follow the payments that I have for some months, but it was impossible, because my income was much less today than it was. I called my credit card company before seeing if my payments in arrears have been reduced, but was told that if I offend you, I will come for each waren.Ich program called Credit Solutions, which until Finally a big mistake and cost me $ 3600 that would have been to my bills. I direct payment arrangements with several creditors, but the payments were roughly the same as the moose and the repayment of a loan finished even higher, because they wanted to reduce to reduce the interest rate and duration of Darlehens.Ich do not know what to do. I am not able to meet my monthly expenses on my salary alone. After I pay the mortgage, HOA fees, insurance, utilities, etc., my check is gone. I have nothing to ask the rest of the creditors verlassen.Meine months, and I speak with them about payment arrangements, but their offers are not something that can do what I do. They keep calling non-stop, even if I already talked to them. I consulted another service even credit counseling recommened by a creditor, but the payment would unmöglich.Ich absolutely can not afford to bring any action against me and garnish my wages. My house is worth $ 40,000 less than what I had perfect credit bin.Ich guilty until last fall, when I just could not cope with things on my eigene.Ich feel bad for my daughter. I can not pay for music lessons, the kind of clothes she wore, or have had their place, as I used to be. I receive no child support because my husband was his stepfather. I am desperate. I have no idea what to do. Even if I log on Chapter 11 bankruptcy, the payment will not be affordable, which was screened during an initial consultation. I worked extra work so that about $ 500 extra per month, and was third Temporary Job. My second job will end in April. During the holidays, I could not even get a job at Macy’s, because I do not meet the needs of specific activities they had, even with a masters degree. I look and look for additional work. I have everything I can on ebay and Amazon sells. If you have any suggestions, please contact you. I’d be very happy. I live in California.