Sorry about this post but...

Michelle
Everyone is having hard times ,its the economy.On th nws one night they said most people ar 1 paycheck away from being on the street.Its scary
Neil and I had some many medical bills and we coldnt get are heads above water and we were drowning.
I called an agency that deals with debt consilidation and it was horrible.
So i called a couple of bankrupty attorneys and then decide to do chapter 13# down here the first consultation is free.
We got to keep our home and automobiles and we pay our fee out of neils check every two weeks they work with you and the day you hire the attorney they letters and all stop.
Its not something we wanted to do but it works for us,we are paying everyone back that we owe and its just spread out for a few yrs dropped the interest down also.
Chapter 7 they say you lose your home now if you file 7.
So call a couple attorneys and talk to them and i wish you luck.
I beleive in God but dont spend alot of time in church,but growing up i was always told he doesnt give you more than you can handle.
I also know that prayer does work.
Also i wouldnt live with our familys id be nuttier than i am ,i love them but couldnt live with any of them..lol
Everything is in Neils name and he just had to give them permission to talk to me..

Here is an update I left work because I wanted to cry all the time I was there. I am going to leave for a while. I am taking the Mustang for one last trip. I don't know where I am going but I am going alone. If my husband tries to contact any of you I hope you will honor my time to try to work through this and not tell him that I said I was leaving. Thank you all for the great tips. As I see it I am the one who is going to have to do it all and I am not up to it now. Thanks again! M.J.

Michelle--I have just met you the one time at the clothing exchange but I knew I wanted to meet you that day because you have been very supporting to many on here. 

Please take the OH list with you and some friends numbers or family so that you will have someone to contact.  It may seem like there is no hope but we never know what is around the corner for us.  PLEASE if you get to where you think you cannot take anymore, pick up the phone and call someone.

Like some of the others on here, when I got divorced 26 years ago there was no way I could make it.  THe car was repossessed, I had to file bankruptcy, and I felt there wasn't much of a future out there.  I am now ok but I never look down on others going thru this cause I have been there.

Again, please keep in touch with someone.  There are people who care about you and will be wondering and worrying about you.

Terry

You said you were taking "the Mustang for one last trip" - what do you mean?

Sometimes getting away to clear your head can help you think, but in your situation, you've got to face it head on.  It will only become worse if you don't.  What about your job?  Are you leaving that behind with no notice as well?  That's just going to make matters worse.

Don't say I don't know, because I have been there, done that, got the T Shirt.  My ex husband wouldn't work, and felt free to run up tons of debt.  I had to file bankruptcy.  This was 20 years ago, when it was much more stigmatizing than it is now.

The suggestions that others have given you are very valid.  You have to contact each creditor, explain your situation and what you can and cannot do.  Have pen and paper ready to write everything down.  Make sure you get the names of the folks you talked with.

If you refuse to talk to them or worse yet, become nasty to them, they will pursue you that much harder. 

I know it is difficult, but you've got to bite the bullet so to speak and handle it.

Best of luck and good wishes.

If it's something you feel like you can do, call St. V about financial help. When I was sent there in July for my perforated ulcer, my hospital copay was $500. Not even possible with just losing everything we owned in the flood. I talked to them and filled out a paper, and they waived the copay. As a non-profit, they get special tax exemptions, and some of those require they assist people in need. I recently read an article in the Indy Star, questioning whether some of the non-profits in the more affluent Indyish areas were 'doing their part' of the charity work. So it can't hurt to ask for financial assistance.

Sorry I forgot to mention I guess that we have contacted St. V's about the bills and financial help. We were turned down because my husband made too much money last year. We had to send in last years W-2's and that is not this year! They are un-reasonable. I am home but not going to work for the next few days. If I loose the job that is ok because I can't act like everything is happy go lucky. I am going back to bed and staying there. If I wake up and it is still daylight I will be going to a friends. Maybe she can help me decide what to do from here. Also before I go I am going to try to call the creditors like was suggested here on the board. I just can't cope with it right now. Thank you. Michelle

Michelle.....I have never been known to be soft about stuff as you know so here goes!
You are among the lucky ones right now that has a job so get your butt out of that bed and go to work! Getting yourself further in debt is only going to add to your demise! Hiding in bed and wallowing in depression is only going to make things more difficult to deal with in the long run. If you need to take a day off...fine...but that chance of losing your job? Not very responsible or adult like behavior. You are not a person who gives up...I found that out when we discussed your brother and his issues. You are a fighter. You need a kick in the pants and I can only hope that this may be it for you! Yes it sucks hubby has left you to pretty much deal with it, but the ones you can deal with (that will speak with you) call them! If St V turned you down last year because of the previous two years W2's...reapply now. You can use this past years W2's that show a lower income!  You just need to sit down and map out a plan. Make a list of each creditor and have each bill with ya and start calling! If they are in hubby's name...make him a list as well and have him call each one and give them verbal permission for you to discuss this matter with them. I know he is down here but when he comes home or you come down tell him he has to assume some of the responsibility and help you on this. he helped create these bills as easily as you did.  It sucks all the way around, but you are too strong of a person to break down under this! You need to dig deep down inside and find your inner ***** and let her come out and fight for you! If you need help...pm me...I will do what I can! If you will be down...I am home all weekend and can meet with ya somewhere to help. But in the meantime you need to get out from under those covers and get cleaned up and go to work!  You will need the gas money to come down here and either map out a plan or kick my butt! Now get up!!!!!

If you are at risk of loosing your house (foreclosure) you can first call your bank and ask about a mortgage modification. The bank doesn't want your house. They can't afford to get your house back in their possession, so trust me they will be willing to work with you. If that doesn't help then go to fedmod.com and they can help you also. Also a credit counseling group - they contact your creditors and make payment arrangements and all you do is send them - the cc group - so much out of your paychecks per week or every two week. 

I know it's rough. I know it freaking sucks. My husband went and got store credit cards w/o me knowing and then didn't pay for them. We ended up getting majorly behind on all our bills. Water got shut off, two months behind on the mortgage, haven't paid credit cards since Sept, other medical bills just sitting, phone on the verge of being shut off, and so forth and so forth. Mostly because I had cancer last year and we spent our savings on my traveling to appointments (it was when gas was ass high). 

Yeah it's depressing. Yeah I've even cried about it. But if I didn't stop feeling bad for myself and done something, no matter how small, to stop it I just knew it was gonna keep getting worse. So get up.... get out of bed.... make some phone calls. Besides you just might be surprised on just what you can accomplish out of this. 

UBER HUGS!

It will get better. 

Blessings
Jodi