I live in mobile home (in a park) I bought last year, brand new, with my ex. She’s been out for a while and I’m stuck with it. I can’t move it while there’s a mortgage on it, and selling a mobile home in a park is hard. I’ve only been paying on it for a year and a half so there’s no equity.
I already talked to the company that owns the park, and they won’t buy it back due to no equity. My only option is looking like just trying to sell and hoping for the best.
So looking to the future, I have a girlfriend I’m looking at moving in with down the road, and it’s not an option for her to move in with me.
Does it seem like I’m just screwed and have no choice than to sell it? Or could filing bankruptcy get me out of it?
Now before you freak, I also have over $20k in credit card debt that I have enrolled in a debt relief program and 2 vehicles. Only thing I really care about is one of my vehicles, which is upside down by a lot.
I’ve been struggling with all my payments and behind on everything. I just want a fresh start. Would filing bankruptcy let me lose my house? Because that’s what I want.
Edit: Requested Financial Details (close estimates)
Income: roughly 600-700 per week with no OT. But I’ve been working OT and get normally 850-1100.
Expenses
Mortgage: 560
Lot rent: 385
Auto loan: 540
Auto loan 2: 370 (but my ex has the vehicle and has been paying it)
Car insurance: 90
Internet: 90 (no cheaper options in area)
Phone: 170
Gym: 22
Spotify: 10
Debt relief: 470 for 4 years
Submitted November 26, 2018 at 06:51PM by jediev90 https://ift.tt/2PVSDfS
