This has been the most stressful few months of my life. I am filing separately from my husband. We are under median. The Schedule I/J my attorney created has us about -$500 in the hole based on our current CMI, but my husband’s income varies greatly.
All year he has had no overtime and then right when I get everything filed 3 guys quit. So now he’s working like 20 hours a week more than usual. I have to turn in updated paystubs to the trustee right before the 341, and I have no idea how it’s going to go. He’s making $400-600 more per week. I already stopped paying my creditors so I’m thinking if this gets dismissed I’ll be behind beyond the point of catching up and one card charges off the 31st so I feel like a lawsuit would be imminent.
The OT won’t last but I also can’t say for sure when it’s going to end. This whole process has just been so stressful. I won’t do a chapter 13 because when he doesn’t get overtime we are severely in the hole. His income is way too variable for me to commit to a payment plan.
I just have a bad feeling it’s not going to work out. It’s consuming my life at the moment.
submitted by /u/cemetaryconfetti
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