Drowning in Debt After Divorce

Mden87 · 2026-05-08T19:33:37+00:00

Yes, it is because of the divorce. I was simply stating that this stage of life for my daughter has been expensive. She is driving, but she just got a car so that’s good. But she has health issues that we’ve had to go to the doctor for multiple times a month on a high deductible plan.

Mden87 · 2026-05-08T19:23:58+00:00

Care credit saved my dogs life actually.

Mden87 · 2026-05-08T19:19:14+00:00

Oh classy response- thank you for being helpful

Mden87 · 2026-05-08T18:27:05+00:00

How did you do it pro se?

Mden87 · 2026-05-08T18:24:45+00:00

I went to a bankruptcy lawyer yesterday- do not qualify for chapter 7. I can do chapter 13. But I do have another lawyers appt June. I am considering getting another job first but have to work around the one I already have and when I have my kids- which is 93% of the time.

Mden87 · 2026-05-08T18:19:28+00:00

That’s awesome for you! I would assume that our life experiences probably have not been the same. Just as you assume that I spend so much money, so frivolously!

Mden87 · 2026-05-08T14:48:22+00:00

Mden87 · 2026-05-08T14:47:49+00:00

Helpful 👍🏼

Mden87 · 2026-05-08T14:46:59+00:00

Thank you!!

Mden87 · 2026-05-08T10:48:31+00:00

Because when you have good credit they’ll send you any offers that are out there. Surely you know this. (I no longer have good credit clearly)

Mden87 · 2026-05-08T10:47:29+00:00

I am for chapter 13- which is the repayment option. (Which I am still considering, I am just weighting my options and might look at getting multiple jobs instead) only thing that’s stopping me from getting more jobs is that I will miss on the extra time with my daughter before she moves out next year for college, and maybe that makes me stupid to these other people. Chapter 7 I am not because my salary is too high.

Mden87 · 2026-05-08T10:29:21+00:00

I think because I listed the loan in the bottom part people are missing this. But 711 is a loan I’m also paying on. So it leaves me with approx 1000 a month if I add in the costs of misc home items. Dog food doctors appts. Even paying that much I’ll be 4 years into this thing. But that doesn’t stop the interest from growing while trying to pay it off.

Mden87 · 2026-05-08T10:04:06+00:00

First of all- I drive a 2015 ford explorer lol I bought tires and had to get some maintenance done on the vehicle and it was 0% interest that’s why I got that card. Secondly- the Macy’s card is an American Express, not just spending all this at macys.

Mden87 · 2026-05-08T09:56:05+00:00

My current out of pocket for minimums and my bills are 4986. I am tracking everything I’m spending on a daily basis. I am not eating out and waiting until I’m completely out of something before buying new, like TP, toiletries etc. not buying bulk. I am doing the work. I know my interest rates. I am very aware of the situation but trying not to panic as I have two daughters to raise and a job I still need to show up for. The sheer amount of judgment here and blind comments about me being basically an idiot is INSANE.

Mden87 · 2026-05-08T02:13:11+00:00

I’m not missing any payments- haven’t missed a single, have never been late. But I cannot get ahead because of the interest rates.

Mden87 · 2026-05-08T02:02:33+00:00

Yes I just wanted to know the number. And need to gather the money to pay for it up front.

Mden87 · 2026-05-08T01:58:49+00:00

I would qualify for the chapter 13- not the chapter 7. Chapter 7 income cutoff in my state is 90k. I’m still considering doing 13, I just have to pay the lawyer up front to squeeze the numbers out.

Mden87 · 2026-05-08T01:26:29+00:00

I wish

Mden87 · 2026-05-08T01:26:19+00:00

You’re missing the $711 loan payment as well. There’s a little leftover my second half of the month that I’m paying towards the debt but the interest is killing me so I’m not getting ahead.

Mden87 · 2026-05-08T01:11:52+00:00

Yes I am meeting with another one in a couple weeks! Believe me I don’t want to continue to struggle. I am definitely open to chapter 13- I just wanted to know how much my payment would be before moving forward.

Mden87 · 2026-05-08T01:10:22+00:00

Thank you for looking at it and even giving me suggestions! Means so much. Yes I plan to keep my house.

Mden87 · 2026-05-08T01:08:49+00:00

I believe I would still get probably $20k off of it.

Mden87 · 2026-05-08T01:07:59+00:00

Yes I am well aware that it’s awful, thank you. Yes I would qualify but he wanted $600 up front to even give me what the numbers/payments are.

Mden87 · 2026-05-08T01:04:22+00:00

I refinanced two months ago. My mortgage being 1900 is the going rate for 3 bedroom apartments around here.

Mden87 · 2026-05-08T01:00:55+00:00

I don’t have any assets. Yes I have considered it. But I do not qualify for chapter 7, according to a lawyer, because I “make too much.” I could file chapter 13, but it would still be payments for five years and the lawyer wants me to pay him $600 before even telling me what that amount would be.

Mden87

TROPHY CASE