Bankruptcy was the right answer for my family
I just wanted to drop back in. I had requested some advice awhile back and received more than I expected, a bit of it quite hurtful. Everyone seemed to think I should kick my husband to the curb, which could be true, and that I should sell everything and that the bk judge would laugh at me because clearly we made more than enough money.
Well, we easily qualified for chapter 7 and received our discharge a couple months ago. For us, this was the right decision. We now have health insurance, both of us now have well paying jobs and were able to keep our homes and cars...and I never ever want a credit card again.
I posted this because I am worried that some people could be in the same boat that I was in and read those few threads and think bk is not an option or will be the end of the world. Its not, and it might be the best option.
I'm sure this will generate a lot spite, and I won't be back, but just wanted to let others know that there is hope and a way out. No one thinks anything when big companies go bankrupt, lay off employees, cancel contracts, disolve pensions, etc, but an individual declaring bk..OMG everyone just flips out.
I just wish I had not waited several years to file.