No. of Recommendations: 30
I was going to respond to this:

So, I have two choices - file Chapter 13 or try to refinance (I'm talking with a broker this week) to get out from under the $2,500 or so I pay each month to creditors, in addition to regular living expenses.

with a suggestion for credit counseling and a plan for either repayment for BK Chapt 7 might be an option.

Then I saw this:

And one more very important item - DH is unaware of the extent of all this as I just can't bring myself to mouth the words to him yet.

You better reach down into yourself and pull up that backbone and not just mouth the words to him, but freakin' shout them! He has hung around on his backside for 5 years refusing to see a Dr. and spouting nebulous claims of not being able to work due to a mental or physical condition (apparently he can't decide which) while you are struggling to keep this sinking ship afloat? Holy cow, woman! How long do you plan to wait to tell him? After you've been foreclosed on?

One thing I can tell you with certainty: if you don't talk to him about the situation and present a united front to do something about it, the situation will not get batter, no matter how hard you try.


LWW
Print the post  

Announcements

UGC Disclosure Notice Regarding Credit Card Posts
Community board discussions about credit cards are not provided or commissioned by banks who may have advertising relationships with The Motley Fool. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.
TMF Credit Center
The Motley Fool Credit Center arms you with real tools and simple messages, that will help you in every credit situation.
What was Your Dumbest Investment?
Share it with us -- and learn from others' stories of flubs.
When Life Gives You Lemons
We all have had hardships and made poor decisions. The important thing is how we respond and grow. Read the story of a Fool who started from nothing, and looks to gain everything.
Contact Us
Contact Customer Service and other Fool departments here.
Work for Fools?
Winner of the Washingtonian great places to work, and Glassdoor #1 Company to Work For 2015! Have access to all of TMF's online and email products for FREE, and be paid for your contributions to TMF! Click the link and start your Fool career.