I wanted to ask about experiences with creditors while going through the financial destruction of divorce. My situation is such that prior to my wife abandoning me, she had gone through a period of unemployment that really put us in bad shape. I was doing all that I could to keep us from going completely under during that time. Just prior to her deciding to quit the marriage, she had landed a decent job and it looked like we'd be able to dig ourselves out again. Well, shortly after she started working again, she told me that she was leaving me and then began spending alot of money taking trips and doing other things to "nurture herself" and now that I've been forced by her to leave our home, I'm in pretty bad shape financially. After giving her the agreed upon child support, I am not left with much more than for rent, utilities and some basic groceries. I have been in contact with my creditors to ask for a way to delay any collection action but don't know if they will be interested. I think that if I have a few months to get into some extra jobs or seek a higher paying position I may be able to begin paying down some of the debt that we split but for now, I really don't have enough to make it all work. I have looked into credit counseling but at this point can't afford the normal few hundred a month that even the best credit counselors can secure. I truly live on a very limited income now, no cable, no internet at the apartment, etc. and would be interested in what some in my situation may have been able to do until they could stabilize somewhat. I have come to accept that I may not be able to satisfy my creditors and have to deal with that possiblity but am trying to do the right thing instead of just throwing in the towel. My credit rating is already shot and what I'm trying to avoid is having judgements posted against me while I try to do something. Of course all of this on top of the emotional pain is almost too much to handle but I'm looking for information that might allow me to dig out while I try to pick up the pieces of my shattered life. Thank you in advance for any information that can be offered.
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