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want to go for a long drive mature man horseshit. So, high net worth individuals are not allowed to admit that they bit off more then they can chew and use the bankruptcy court in the way it was meant, to allow consumers time to regroup and repay their creditors in a way that does not leave them destitute at the end of the day? I read all of OP's posts and it sounds like a straight forward situation. They were making lots of money, OP's husband lost his job, was out of work for a period of time, because of that, the debt accumulated, he found another job, but it wasn't enough to cover their cost of living and now they need to restructure. It even sounds to me like OP's husband did the best he could for as has he could to avoid that eventuality. Credit card issuers and mortgage issuers take an assumed risk when they extend credit. Extend too much and they end up holding the bag at the end. I guarantee the bankruptcy court is going to order OP to make good on a fair percentage of their debt, due to their high income. And yeah, money concerns destroy marriages. OP and her husband are in their 60's. don't they, after a life of hard work, have an expectation that this one life altering event won't leave them destitute and on the streets? Especially if he worked for Lehman, Bear Stearns or WaMu, one of the large banks that failed and had all his retirement in their stock, ouch. Sounds like he was generous to his family etc. Should they have saved more, yep, should they have been diversified, yep, but life happens. Sorry, but hard times come to everyone.
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