Help with my husband to discharge – bankruptcy, foreclosure, I need advice?
My husband will be set next week, and he is on unemployment is not sufficient to pay our bills. Our major expense is our home. It sucks all of our revenues. We have a 1 and the second mortgage. We tried to sell our house for six months without luck Oever. We need 152,000 for two loans, and the best offer was $ 119,000. I know that the second mortgage company would not agree to a short sale because they always end up nothing. My question is what do we do? The debt that we have other is a car. Should I file Chapter 7 and the delivery of the house, or we could not declare bankruptcy and let the house go? Or if we do not declare bankruptcy, they can come after us for our money? ? Any notice of suggestions: We will not fail to be ready in a landfill or to live like a hermit – we already have a decent RNET-free with my people. As far as we both find a job – we’ve searched but found nothing. I also have a 2 years and must take into account the costs of care. It makes no sense to me, work for minimum wage, because I would everythign childcare, it would not help our income and pay for our calculations.