I am 26,000 in credit card debt. My life turned around completely last year and I lost many things in my life, family, job, etc. I am not making enough on my job to pay the basics and have been using up all may savings. Now I have no savings left and am short 600 month just for basics and providing for my daughter although she doesn’t live with me. She lives with my mom who is living on ss. I need to file chapter 7 but can’t afford the fees and am not smart enough with paper work to do it myself (I’m terrible with directions). I can scrape together money for the useless credit counseling stuff (so they can figure out how I can pay 1800 bills on 700 income, lol) if I don’t buy groceries for a couple weeks but I have no way of getting 500 dollars. My employer cuts hours every week and it’s that way on all retail jobs. I can’t just get a better job and even with that, i would only have the money I need for the basics. My small tax refund will only be 30 dollars.
If I was able to get a second job (not easy with no transportation and if I work after dark, I have to take a taxi (I spend 20 dollars a week now on taxi rides when I get off at night as my neighborhood is very dangerous and I can’t move). If I can find extra work hours, it will just keep me from being homeless a couple months longer, it will not cover bankruptcy costs. I have no resources, family and friends have no money to help. Is there anywhere in Houston where I can find free legal help (not just a consultation but actual filing assistance without cost?) If I have to pay the fees, I will not be able to pay rent. At the rate I am going, I will be homeless as of July 1st providing I don’t lose my job or have any more hours cut.
They are only a week late but I am already getting calls all day during the week. No one leaves a message on my machine so I presume it’s one of my creditors. I need to file bankruptcy because if I don’t they will sue me and freeze my bank account which only contains my pay deposits which are only 700 but if they take that, I can’t pay my rent. I have nothing to sell as I lost everything I owned last year when my family through me out. They gave away and sold all my stuff. I have a 50 tv and a40 boombox that doesn’t work and a 2year old computer that runs slow.

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My husband verbally abuses me in front of our child, he is ADHD and does not understand why his emotions take over. He has broken so many things in our home out of anger, he can’t keep a job due to his ADHD and he’s bankrupting us as he does not understand how to stop spending – he has never hit and I know he will not hit. We are both in therapy but I just can’t see how I can continue with his emotional abuse. His family refuses to be supportive as they too don’t like his anger. He has a very wonderful heart for our child and friends and when his emotions have not taken over he really is a great guy. ADHD adults tend to never leave there adolesences, so its like living with two children all the time. I know if I leave he will cry and hound me to not leave him but I know its best for my daughter and I. The only thing holding me back is that he will have no one to go to, I’m his best friend. I feel like his big sister. I pray for guidance but still don’t know how to do this…… my sign is Cancer and that equals – sensitive and always there for everyone – its so hard to let ask him to leave our home.
Any thoughts….
E. / Kentucky
Thank you to everyone who has replied so far. I’m glad I wrote to hear some outside advise. To those who mentioned my daughter is the one to think about – you are so right "she is the most important" and she will be the push that helps me to do end this. I don’t want her to live this way. I have great family support even when I asked him to leave 3 yrs ago. Thanks again!!

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