@Kaydee84 wrote:I'm a housewife too and rely on my husband's income as well. For me, it's scary to rely on just his income and credit to get by in life. What if something were to happen to him? What if you decided to divorce? Although we don't anticipate these things happening, you just never know. You don't want to be in a situation a few years down the road, wishing you had handled these debts now. If I were you, I'd face this. Find a way to get the money. We will be filing Ch 7 soon too and can't wait to rebuild from there.
exactly what I said... it's a lot better and easier to take care of this now vs. in the future if something were to happen to your husband or if you guys were to divorce. Of course you don't anticipate it, but you are really going to be in a hole 5, 10, 20 years from now if that happens and you still have bad credit and debts owed.
If your husband can't help you pay $1,000 to file, you can look at filing on your own, you can look at paying a couple hundred to have someone prepare the papers for you if you're not comfortable doing it yourself.
You could easily get a quick part time job, or drive for uber as someone else suggested. Wouldn't take you many days of working to save up the money to file and get these debts wiped away so that you can have a clear mind about your future and not worrrying about people taking money from your bank.. sure you might get it back, but it could take time, and seems like if you don't have the money to file, you don't have money in case your accounts were drained/frozen if a creditor came after them.
@ewells1014 wrote:I've thought about getting a part time job, but the problem is finding a job that would A) pay enough to make working even worthwhile (I'm not going to drive 25-30 miles a day to a job that pays $10 per hour, for example; and B) it would need to accommodate my kids' school schedules. Theoretically I could very easily go back to work full time (I quit in 2010 after my third child was born). The problem with that is, I'd have three children in before and afterschool daycare, and that would eat up a HUGE chunk of my earnings. In a perfect world, I'd find a job that pays $25 per hour, is less than 15 minutes from my home, and would hire me to work M-F from 10 a.m. - 2 p.m. Sadly, I'm not living in a perfect world, haha
I mentioned Uber because my son-in-law is a stay at home Dad for my grandson (my daughter is the bread winner). My grandson is very young (2 y/o) and he is working Uber part time on the weekends only and earns about $350 gross per week. Turns out the peak time is 1a-3a on Sat & Sun so she is home when he works, Just a thought.
Another thought: you could be a processor for a Realtor. They make about $250/file, A good processor can work 20+ files per month, part time - at home without leaving at all. Initially, you will have to get trained. Talk to Realtors in the area and find out who does their outside processing if they don't do their own. Then see if you can apprentice for a short term.
There are solutions. You have to be a little creative. 
Every day since last Saturday, 99% of my mail is solicitation letters from lawyers. I've had so many in person and phone/email consultations, my head is spinning. I just got off the phone with one who said he would file a Chapter 7 for $950 plus the required $350 court costs. There's a HUGE difference between that and the one who quoted me $2,250 the other day when I went to speak with him in person.
At this point I'm thinking that Bankrutpcy would be the way to go. It seems that it would just be a HUGE weight off my shoulders, and I won't have to sit and worry whether or not I'll be getting any more papers served on me. I understand Capital One is sue-happy, and I have two Cap One cards.
Now the problem is getting the $1,350. Anyone need a kidney?! 
@wa3more wrote:no one is judgment proof. They can get a judgment and wait 10 years until you inherit or your situation changes. You are collection proof right now.
they may sue , they may not. If they sue and get judgment and try get bank accounts or assets, THEN you BK ch 7. BK is nuke option of last resort.
I'd have to say that I disagree with you. If someone truly has no income, and absolutely no intentions or means to pay back the debt, why wait?
You're so much better off to get the 10 year clock on your BK starting right now and stopping any collection/lawsuit attempts, even if you don't have money for them to take.
Why wait until they come after you? You can have peace of mind and a fresh start right now, and within a couple years have your credit back on track versus waiting a couple years and then having to start the process. In my opinion, it's better to be proactive and take care of this before you put yourself behind the 8 ball and have no choice to file and then could really be dealing with some hard times.
Just my .02