I Am About to File Chapter 7
After doing everything that I could to keep from this, I've come to the realisation that I can no longer keep it up.
I had a good paying job that I moved to TX for and saved enough to buy a house last year. I was laid off within a few months of my closing on house. I cashed out my 2 401Ks and lived off that til I found a permanent job in April of this year. All credit cards have gone to collections and my last remaining medical bill is about to go to collections.
My ex partner who was supposed to pay 1/2 the mortgage and bills stopped paying in April but didn't tell me. I didn't find out til we were 2 months behind on the mortgage (he said that the first mortgage statement with a past due was because he paid late...he's still not paid it).
I just found out today that I'm going to foreclosure. I can't keep the house and I put together my income and expenses...I'm over $2K a month in debt. My new job only pays about 1/3 of my old job.
I can't keep up. To make matters worse, my car inspection failed yesterday and I need to come up with almost $800.00 to do necessary repairs in order to pass emmissions inspection. I can't afford this but can't afford to not have a car to get to work either.
I am drowning. I never thought I'd be in this spot. At age 43 I was supposed to have been doing far better and saving for retirement. I can't even imagine saving for retirement now.
I don't know where I'll go once I have to leave this house. I moved here from out of state for the job that I lost and have no family near by to help.
Right now, I can't even afford to pay for a bankruptcy attorney so I can file. I'm desperately trying to find a place to live that will accept bad credit/collections/foreclosure but it's not easy and those that do accept it are in horrible areas.
I feel like this is the end for me. I don't know if I will recover from this.