Long story short, after many years of a debilitating disease, a failed business and a separation from a partner who was an authorized user on my cards, I couldn't keep up with the payments when the interest rates all jumped to 18%+.
Although I'm feeling functional healthwise, my partner and I are separating, and it's extremely unlikely he's going to pay off the portion of the debt that was his. I made a lot of very bad decisions while dealing with the disease that was affecting my brain and my ability to make logical choices.
I went through a previous divorce that ended badly with us filing for bankruptcy, so I am unable to file for bankruptcy again. At the moment, I am making just enough to cover my living expenses, but I plan to be doing better next year.
I attempted debt consolidation, but too many of the accounts had gone to charge-off status.
I'm not sure what to do or how to tackle this, and I don't have extra money for an attorney. I have emails and text messages from my partner saying he would pay off his portions of the cards, but he may file for bankruptcy, so it would likely be a waste of money to try and go after him legally.
Any advice would be greatly appreciated, and trust me, I understand how foolish I was, so I don't need the reminder.
All Charged Off:
Personal:
Wells
Discover
NFCU CC & CLOC
Pen Fed
Chase
Business:
NIH Business
B of A Business
Amex Business
Chase Business
BHG
Auto:
Pen Fed Auto
