Woops. Looks like I can't take that exemption anyway. I'd still have the wildcard exemption (and a few others) though. I seriously doubt anything I own is worth any more than $800 by itself. If it were and if it weren't essential to my daily living, I would've sold it already.
I'm guessing I'll either still be where I am now, in roughly the same financial boat Or things will have improved to the point where tackling $20,000 worth of seriously delinquent debt doesn't seem like such a hilarious punchline to a cruel joke.
Right now, the idea of credit turns my stomach. Using it has been a survival mechanism up until now. And I am just now getting to the point where I am managing to stay ahead of my bills (minus the credit card bills). For now, the thought of never touching a credit card again makes me smile.Will you want things that credit will buy?
I hope so. Which makes me think maybe I'd be better equipped to handle this mess then. I know letting it wait can make it worse, but foregoing basic necessities can be an even bigger mistake. I'd prefer to stay alive to regret my decisions than to die trying to make better ones.Will you be making more money?
We're both disabled and have stuck close to family for a reason. I only really foresee leaving the state if my in-laws die.Will you live in another state where wage garnishment is permitted?
I figure, if the future does bring a better job, etc., I'll be better equipped to settle then.You really don't know what the future will bring.

