Bankruptcy..

I’m so proud of my husband, he’s finally taken the steps to file for bankruptcy.

**(Backstory) my husband went through a nasty divorce a year before we got married, his ex took him for literally everything he had, he ruined his credit whenever he was with her because she didn’t work/start up refused to work so he took out a bunch of loans that he paid back but extremely slowly. His lawyer was horrible in his divorce and extremely over charged him (even confirmed by the bankruptcy lawyer that said there’s absolutely no reason he should have been charged as much as he was) she even didn’t pay his car for a few months while he was deployed.**

I’ve been nagging him for the last few months to please just file for bankruptcy, before they started to garnish his checks. He has to pay $700 in child support to his ex, and he can only pay me $1700 for bills (we go 50/50 but that’s not even 50/50) because he barely has money afterwards since he has to pay his car and divorce lawyer. I’ve actually seen a change in him since he decided that he would file, he’s actually talking about the future more and saying how excited he is that in at least 5 years whenever we move from Colorado to Texas he’ll actually be able to put his name on the house as well as mine since he’ll have some type of credit instead of the horrible credit he has now.

Bankruptcy was our absolute last choice, but with $1,200 in childcare bills monthly for both of our boys, a 1,400 mortgage bill, a car note that I have under my name, along with the bills that came from furnishing our house/every day life bills. It was the only choice we had, since his lawyer wanted him to pay $500 a month to pay off his debt to them even though he could barely afford $150 to them monthly he is paying. I hated not being able to help my husband, but knowing that he’ll be able to file chapter 13 bankruptcy (we’re technically considered to be making too much yearly for him to file chapter 7) and come to an agreement to pay off his debt in 3 years makes me so excited especially the way he doesn’t look so defeated anymore. Sorry for the long post, I don’t have a lot of friends to talk to about this, because I don’t want anyone to judge him. He’s made mistakes and he’s trying to fix them.