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<blockquote data-quote="Lil" data-source="post: 689569" data-attributes="member: 17309"><p>Chiming in here - I'm so sorry you have found yourself in this position, but InsaneCdn is right. File if you need to. Talk to the attorney, but you may be able to re-affirm the debt on your car and keep it. Move to a cheaper housing if you can. Tell your daughter you're sorry about the car but these things happen and your kids will be fine. Maybe she or her fiancé can get a loan and buy the car? I assume there is a debt on it? Maybe she can take over payments. </p><p></p><p>At a minimum, get to a credit counseling agency that can negotiate with your creditors. Just make sure you find a reputable one. </p><p></p><p>Personally, I'd stop paying everything but my living expenses, my counselor/psychiatrist, and my bankruptcy lawyer. When the creditors call - and they will - tell them you are filing bankruptcy. Get yourself a clean slate.</p></blockquote><p></p>
[QUOTE="Lil, post: 689569, member: 17309"] Chiming in here - I'm so sorry you have found yourself in this position, but InsaneCdn is right. File if you need to. Talk to the attorney, but you may be able to re-affirm the debt on your car and keep it. Move to a cheaper housing if you can. Tell your daughter you're sorry about the car but these things happen and your kids will be fine. Maybe she or her fiancé can get a loan and buy the car? I assume there is a debt on it? Maybe she can take over payments. At a minimum, get to a credit counseling agency that can negotiate with your creditors. Just make sure you find a reputable one. Personally, I'd stop paying everything but my living expenses, my counselor/psychiatrist, and my bankruptcy lawyer. When the creditors call - and they will - tell them you are filing bankruptcy. Get yourself a clean slate. [/QUOTE]
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