Chapter 7
I made the decision to file Chapter 7 bankruptcy in the ending of March when I could no longer afford to pay my bills after my husband and I split. We officially filed our divorce (no children/ no shared debts/ no assets) last month on the 17th so May 17th it would go to the judge for approval.
My attorney says the final divorce decree doesn’t matter, and I can still go through with filing this Tuesday. Obviously my 341 meeting would be after it already gets approved by the judge but does bankruptcy affect a judges opinion of divorce? Sounds shitty, but after my ex and I had a super long infertility journey it just grew us apart so much. I was no longer happy in my own skin and it just led to a long road of our relationship not working out.
Also, in the meantime between what my expenses are and what I make my income is literally-700 a month (pretty close to that anyways), so my mom has been helping me pay my mortgage and car payment until I can pick up another job or find a higher paying job. I’m a full time employee, and also a full time student. Unfortunately, our relationship hit its breaking point while me being in a position to really not be able to even support myself. He made all the money. When we separated he was still paying the mortgage so I was just floating on water barely but not drowning. In March he told me March would be the last month he could help me pay the mortgage so when I talked to my mom about that she advised me to file bankruptcy because really I can’t afford to live only because of my debt. I’m 42-45k in debt all together.
She’s been zelle-ing me money to go towards the mortgage or to use to the car payment and I guess my question is would the trustee use that money as part of my income? It’s only temporary until I can get back to paying my own bills but was curious if anyone else has had this situation or something similar where you haven’t been able to afford to live and have been receiving help financially from family to pay them. (Not sure if it matters but she is co-signed on my car, and my co-signer of my his is my grandfather).