I have an appointment with an atty tomorrow for chpt. 7 consult. First of all when I was with my first husband we filed chpt 7 in 2005 (d/c in 2005). We tried like crazy to rebuild credit, and got our scores back to the high 600's, bought a house in 2009 (after the BK and after foreclosure), I checked these forums all the time on rebuilding, yada yada. I was going to school and not working with 4 small kids during first bk. Fast forward to now. Been divorced since 2013, remarried in 2014. I had taken on most of our credit card debt in my divorce because then after graduating with my Masters was making great money. In 2014-15 the ex moves to another state which ensues a huge custody battle with huge lawyer bills. I ended up with full custody, but ended up with a huge lawyer bill etc., Made the stupid mistakes when marrying my new husband to expand the house for our large family, pay for a $25,000 wedding, (got married in the courthouse the first time), rack up a bunch of cc's, payday loans, sig. loans. My new husband thought he was going to have a lucrative job, but ended up downsized shortly after our engagement. We made the decision for him to be Mr. Mom, he works very part time. I am promary breadwinner. Up until 8 months ago, we were strapped, but still above water financially. Then I was let go from one job only to pick up part time work for the last 6 months. I am $40,000 in debt from cc's, paydays, sig loans. We have no retirement or other assets. I want to file chpt 7 again.....I feel very irresponsible and humiliated, but I don't know what else to do at this point. My questions are: 1. 2014 taxes showed I made a lot of income-so wouldn't have qualified for the means thing then, now that I am making half or less what I made then, I should still be able to qualify? yes or no? Can my step kids who live with us 50% of the time be considered as household members? I know student loans can't be involved and have been deferring those for 2 years now, but that is quickly going to be ending. My husband isn't on any of the accounts because he has horrible credit, and I paid for his bankruptcy prior to our getting married. question 2: If I want to keep my house and my car, I should be able to right? 3. What happens if a job comes along before I get discharged like in the summer and I am working full time again? I would be so far behind, I would be screwed to not be able to continue the chpt 7. At this point I don't care if I never get another cc or whatever again, I just want my house loan, car loan. I want to build a 401 k ( i am 40 and not getting any younger). My scores are horrible. I don't have that many lates, but I am barely barely working at all this month and so for sure there will be some coming. Do I stand a chance with a getting a second bankruptcy? I really do want to be a smart consumer, and be responsible with my spending, the past years events have just screwed that up though. Thanks for any advice or help!!!
