My husband and I bought a home when he was making decent money, Now due to textiles closing, he had to take a job making 1/3 less than he was. We had to refinance the house to try and get away from the balloon payments from the company we where with. Now between the house and a loan we took out to get our drain field fixed..that was a must, we are so far in debt we cant see straight. We want to file, but our problems are this. We have no idea what to file 13 or 7, and we cant get a lawyer because we can not afford one. They say he makes to much to get legal aide, and once when we tried to file, we where given the paper work, told fill this out. We told them we don't understand this, as my husband has dyslexia and my nerves are so shot, trying to figure it out left me with blinding headaches.
Where can we turn and what can we do? We're in a small town so no pro bono legal help can be found here. You have to go over 100 miles.