The lowest point of my life is here. The biggest culmination of fucks. 36 years old, had a good job, bought a house, got a few cars, and got married. About a year ago, I lost my job. Difficulty finding a job resulted to maxed credit cards. Trying to start a business but hasn’t been profitable.
Today I received priority mail from a creditor with Judgement and 14 days days to respond. After hours of research, I’m completely and utterly scared of what’s to come. I am powerless. I am sick to my stomach. My pregnant wife who is working will soon quit her job because it’s something we agreed on after childbirth. Her insurance apparently will not cover hospital bills if she does not return to work. I’m afraid to tell her about the judgement because stress is the last thing a women in maternity needs.
I cannot file bankruptcy because I have enough mortgage equity to force a sale which will render us homeless. Doing nothing will get my wage garnished, bank accounts garnished, can lose our car, have our home forced to be sold, etc. All this during the course of pregnancy and the start of fatherhood.
I’m so lost and bewildered that I’m on here sharing because I really don’t know what else to do. I just want to cry...I know I have to keep level headed and try to find a solution no matter what. But I really don’t know how right now...I have no money to pay the debt, I can’t file bankruptcy, and doing nothing will get everything I own and every dollar left in our bank accounts get taken away. Checkmate.
I look at my wife and she’s so peaceful next to me...I’m so lucky that she’s staying positive with all this. But she doesn’t know time is running out fast...I just want her to stay happy and to keep the confidence she has in me. I’m so afraid for what’s ahead of us. I’m trying so hard to focus even with the stress and occasional cold sweats. I can keep typing here but that’s basically the sum of it. Wish me luck.
Submitted October 16, 2017 at 03:47AM by RES3T http://ift.tt/2yq5NpA
