Ok so as some of you know my parents have very generously offered to let me live with them, have the baby and stay until my debt is paid off in about 18- 20 months. They really really dont want me to file bankruptcy and I understand why. But here is my thinking. If I stay with them and pay my debt payment and my other responsibilities, it leaves virtually no money left over to file for divorce and all that comes with that or to save any money to eventually move out. SO I wouldn't even be able to start the proceedings for another year and a half. I don't know if I could handle that, plus once the baby is here things like child support and custody will need to be arranged. Also, maybe it's selfish but I just need to be out from under this debt mentally. It's crushing me. I just don't want to kick myself in 5 years and think "why didn't you suck it up and stay with your parents" But I just don't know if I can do it, live with my parents for the next almost 2 years.
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