u/BlueberryPuffy

My daughter is 2.5 and has been cosleeping/bed sharing since she was 6 months old. Now that she’s older she’s started hurting me as she’s falling asleep/in her sleep (mostly with kicking, she’s left bruises on me a few times now) and also will wake up the second I get out of bed even if she’s still tired so I want to try to get her into her own bed. She has a crib and I’m going to convert it into a toddler bed.

We’re going to be moving from a very small studio apartment to a one bedroom in 1-3 weeks and my parents think I should use this opportunity to just cold turkey have her sleeping in her own bed (“new house new rules” style…), but I was thinking of sidecar-ing her crib/toddler bed and then slowly moving it across the room away from my bed once she’s settled in to our new house. What’s going to be the least traumatic? I’m open to other ideas too! Or any other advice to help her transition into her own bed in our new home.

I’m prepared that it will be a tough change for her as I know she’s been sleeping with me most of her life!

I’m planning on filing ch 7 soon, but I feel like I’m not ready to consult an attorney yet so I’m hoping people here will have advice/experience!

My biggest concern/question is when can I stop paying my debts? I have had my checking account through a credit union since I turned 16, I now have a car loan and a personal loan through them as well. I want to keep my car and from my understanding I’ll be able to as long as I stay current on the payments for that. My personal loan is over $450 a month and I really need to stop paying this ASAP, but I’m worried if I stop paying the personal loan then my car loan or checking account will also be effected.

I also recently opened a checking account through a bank that I have a credit card through. This is my smallest balance credit card and once I stop paying my credit union personal loan then I could pay this cc off in a month. Should I pay this off so that I can keep my checking account through this bank?

I owe one of the very large credit card companies a LOT and am 3+ months behind on minimum payments, I saw someone say online that if you send them any small amount of money it resets the clock for how long they wait before sending you to collections so I have been sending them $10 or $20 when I can. Should I keep doing this?

What if I know I have a lot of medical debt, but I don’t have any knowledge of what companies/how much/their contact info/etc? Obviously I’d want that gone, would bankruptcy take care of the medical debt if I don’t have the info for it?

I found a website (upsolve?) that makes it look like you can file chapter 7 without a lawyer- does anyone have experience with this?

*(A little background for anyone who wants to judge, most of my debt has accrued from necessities since I got pregnant with my daughter. Hundreds of dollars to my OBGYN while pregnant, special formula that the doctor prescribed that wasn’t covered by insurance, diapers, gas, groceries. <5% of this debt wasn’t necessities. I have to move out of my very toxic apartment but I can not afford even an income restricted 1 bedroom apartment while I’m paying off all of this debt. We’re moving the end of this month (hopefully) so I was planning on contacting a bankruptcy attorney after we move. P.S. in NH)*