My meeting with the bankruptcy attorney was yesterday, and I survived. It took 3 hours! I do qualify to declare chapter 7, but it's so frustrating that I have to. I have to liquidate some stock I've had since I was born, and they could go after Mom for the tax refund I gave her this past year. They will also get my tax refund for this year. I still think that this is better than having the MC garnish my wages, and take all of my money. So.... I have to do a couple more things, like credit counseling (online) and send a couple more things in, but it's going.
I can't believe it's come to this. I don't have ANYTHING to discharge other than the condo. I don't have any credit card debt, my car is current on payments, my student loan is current, and can't go away anyway, and I don't have any other debt. I worked so hard to get to that point, and now it's all for nothing. If she could have just told me straight up that she really couldn't afford the house anymore, before the liens were placed, we could have done a short sale and been done with it. I know she said I never picked up on hints, but that's definately something she could have been straightforward about. So.... Everyone, I think it's going in the right direction, but until it's over, don't forget me!