Not to make excuses but the last few years have been hell. My dad left my mom a few years ago so we bought him out of the house together when I was still doing well enough financially. Late last year my mom’s cancer came back after 15 years in remission which is not helping with stress. I am drowning again in cc debt now, and can barely make my payments anymore. I’ve considered asking some of my cc companies about hardship programs but I’ve heard that’s not always a good option. I know I don’t qualify for ch 7 for 2 more years so I am wondering if I should look into filing 13.
I’m lost and don’t want her to find out because she’s going through enough but I don’t want to put us at risk of losing the house either.
submitted by /u/Longjumping-One2706
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