We both reside in California and I’m just waiting on the Judge’s signed Final Divorce Decree to come to me in the mail.
I have been advised that if I file a Chapter 7 bankruptcy, that it would prevent creditors from collecting or harassing me for things not related to me.
But is/are there other options for me to consider or is this really the only one? I only ask because the advice I received is motivated with me paying them money to file the BK, so I question that it is my only option.
I am fully aware of what having a BK on my credit does and that is stays on there for 10 years. It’s better than contiually getting wage garnished for my ex’s crap for eternity! Right? I just want him completely out of my life.
ADDITION:
I am not talking about joint accounts. They are HIS debts, but they attached to me when we married. So now his debtors are collecting from me because he can’t hold a job. THEY don’t care who they get it from.
TO LAUREN F.:
That was helpful information and concise. I am correcting and disputing this, but in the meantime I’m literally paying his debts not happy about it as you can imagine.
Related Information:
Like many others, I see myself as a victim of the world economic downturn. 6 months ago, I left my baby, my wife, my mother and my sister (we have a small family) behind in the UK to go abroad and help us out financially. We have achieved financial stability (for the short term) as a result. I am fortunate that I stay with relatives who although I don’t get on with but do enough to get by every day. This has meant that I do not have to worry about rent etc. My only cost is a lease car which I pay for every month.
I work in one of the Gulf States and was accepted a job on whim out here which meant that I was able to double my salary. I now send 90% of what I earn back to the UK to help cover the mortgage and bills back home. I also left the UK with debts of around 6000 pounds because I was earning less than what I was paying out every month. I would always end up being overdrawn every month. I save very little here although I am making progress in repaying my debts. Before I left the UK, I was stuck in a dead end job which I worked really hard at but was stitched up by the management who treated me very badly when I decided to apply for numerous internal job openings. I worked for this company for two years and got nothing out of it.
I do not like living here. It is a complete culture shock. 6 months in, I am feeling angry, frustrated, lonely, home sick and I feel quite ill on a mental level. I am due to fly out to visit my family in June but do not know how I will be able to cope when I return back to the Gulf. I feel very insecure about myself and my family feels the same way.
Add to that, our fixed term mortgage is going to end in October so we need to find a new affordable mortgage. I am worried that it may be more expensive than what we are paying at the moment. Our main challenge in the UK was that we (wife and I) earned less than what we were spending. We did not even have a lavish lifestyle and only went out once a month but our bills were through the roof.
Now as I wait to fly out in two weeks, I am both happy that I will be seeing my baby for the first time since she was born 6 months ago and my small family who are the world to me, but sad because we may have to endure more emotional pain. I don’t honesty know how I will be able to cope if the worse happens and we were to live separately for longer. The worse fear is that our marriage may be put under strain which I dread because me and my wife have a beautiful relationship. I am sorry if I have rambled on for a long time but I am sitting here in the office in front of the computer totally lost and drained under the stresses of my mind.
Related Information:
to like her for the past 25 years. He has dumped her once, and has told her over and over again that they are just friends. she is a struggling single mother with two kids, and has even talked him into signing over his house to her if hedies in a previous will. he just did another will to get her out of the previous wlll. Will she ever stop try8ing to get him from me since she is financially in debt all the time?she had to go back to work to pay off a .2 million court settlement(her son killed someone in a DWI accident.She appears to try to con my boyfriend into pay her debts from her.she ever stop trying since i am back in the picture?
Related Information:
We were ok, if not totally doting in recent years, spent quality time and went away on holidays short trips. My company struggled and my income dropped. I was too proud to involve her, later scared to. about my debts…you pay one to the detriment of another, he who shouts louder usually got sorted 1st. Result being in recent years, about 6, she has had to pay for everything, which she did willingly, but the drip drip conversations with our divorced and separated friends moaning about their Exes and asking if i did this why did she do that, combined with my own failings to deal effectively with my debts and her finding out about them in stages. and my failure to actually say the words "I LOVE YOU" finally came to a head last Christmas. We have tried to sort things out. We went to some sort of councilling at the Church, I cried, then asked why I was crying as she was the one that was hurt….seemed a stupid question to me. I ll leave it there, but as you would expect, there are a lot of other points to raise. What I would like answered is How do I encourage her to love me again. Particularly as within 3 weeks of my sleeping in a local Bedsit she was seeing another guy moved all my clothes out of our wardrobes his clothes haninging in their place and sharing by bed with her, also parking his black Sports car in my garage.
Related Information:
I’ve been divorced for 2 years, although my ex-wife & I still keep in touch. For the past month, I’ve been getting calls from bill collectors regarding debts that she owes. I’ve told them that we’re no longer together, but they keep calling. Now, here’s the kicker: I can’t give them my ex-wife’s phone because she doesn’t have a landline. She is also unemployed so there is no contact work #. How do I get them to stop calling me?
Related Information:
