Hello, all. Please don’t be insulted that I am asking for “professional help”. I trust the good advice that so many of you have given me, but there might be some legal issues with this one.
A few weeks ago, I brought a flu bug home from the daycare where I work. Seems like no matter how we plead and beg, parents still send their kids in sick. Well, I’m still coughing, but Hubby got it and got it good. It was so bad, I had to 911 him to the ER yesterday. For all intents, he was gone. The ER doctor did chest compressions for 20 minutes before his heart started again. He has so many infections, he has 7 bags of antibiotics hanging. However, things seem to be looking up at this point, TG.
So, anyway, all this got me to thinking. Last year, we filed for bankruptcy. At that time, the attorney told us we could continue to pay our mortgage or simply walk away from the house. If hubby, God forbid, should have passed, I would have been left with about $1000 less a month by the time Social Security got done with me. I doubt seriously if I could afford to keep this white elephant of a house. I could walk away, yes. But I’d have to "rehome" my dog. About 1% of rentals in my area accept pets. She is not officially a comfort animal, but she is one to me.
How do I even consider selling this house considering the bankruptcy? Who would give us a loan? Can I keep any equity we’ve accrued over ten years of payments? I’d like to buy instead of rent. Is that possible?
Thanks for any help and advice you can offer!