Jade Warshaw

Well, I knew that he was taking out loans, but I really didn't have a lot of visibility to how much we had amassed or in what poor of shape we were in.

It's really difficult.

You know, I feel like I came into the marriage like a huge Dave Ramsey fan.

I didn't have any debt, and I thought we were really aligned.

And, you know, honestly, I had three babies in a five-year period, and I really just kind of took my eyes off of what the finances were, and I just completely trusted him to deal with it.

And I feel like that was my mistake.

We've gone to counseling twice and, you know, he wasn't super engaged.

The last time that we went, the counselor started saying some kind of hard things and, you know, he felt like he was being really blamed for all the problems.

And he later admitted to me that he intentionally sabotaged it.

And yeah, like we've had conversations about going back to counseling, but I've kind of put that in his court and he hasn't taken any action on that.

Yeah, he'll admit that he made mistakes, but he doesn't seem to view it with the same level of gravity that I do.

So we're currently under a chapter 13.

Our plan was dismissed, or I'm sorry, it's potentially going to be dismissed.

To sell the house?

Yeah.

Yeah, well, we tried to move to a Chapter 7 because my husband lost his job in February.

But now we're in this weird situation where we have about $30,000 in cash, and our attorney told us, don't convert to a Chapter 7 until you spend down that money.

We owe an additional four hundred and fifty five on the house and we could sell the house for around nine hundred and fifty K. Interesting.

So our thought is if we end up getting the Chapter 7, we would take that money and we would really, I mean, we'd probably have to move to a renting situation and then just use that money to live for a period of time because my husband's not working right now.

Well, the houses in this neighborhood have appreciated so much that we wouldn't be able to move back here now.