Credit And Debt Counseling Florida

Hi,

I have a question regarding Florida Divorce: my wife and I have been married for a bit over a year now. She had gotten violent a few times and was arrested last year (I pleaded for her not to be arrested, her family called the cops... I ended up dropping the charges later on). We went to counseling and she even started seeing a psychiatrist, but stopped going consistently and did not take any of his advice. Every day I when came home from work she would tell me she wanted a divorce and how she loved her ex. Certain events happened late last year and she was getting involved with another guy... she ended up moving out in the beginning of this year. I've been trying to talk with her about doing a Simplified Dissolution of Marriage, however she will not sign the papers. I honestly do not want this to be a lawyer-lawyer battle (don't have the money for it and when there is so little in assets, I don't think there is a point to it). She, however, has stated repeatedly in text messages how she is going to get everything in the divorce.

What can I do? I want to move on with my life and get this divorce over with. I'm sorry if any of this is confusing. I have tried to be extremely flexible in dividing assets and I believe I am being more than fair - but it seems she is just changing her mind to drag this process out and is now talking about wanting to get back together with me, which I do not want.

As far as assets and possession go, they are as follows:

1st car, paid off - she is currently in possession of it and I have offered to have the title transfered solely into her name (right now it is in "OR").

2nd car, financed - I am currently driving it, I purchased it brand new for her last summer and I have made every payment by myself on it.

Apartment, leased - solely in my name. Most of the furniture in it we purchased together (using mainly money I brought in), however all of the furniture she had prior to us being married I would like for her to keep.

I pay for all of the bills and utilities and since the separation we have split phone accounts and car insurance so we do not have any joint bills. I had paid for her car insurance up until this month.

Credit cards - we have closed all joint accounts and I have paid of the majority of them on my own. (even a card which is solely in her name).

When we got married she resigned from work to study full time and I was the only provider, the only thing that she did relating to money was run up the credit cards. I had over $16,000 in savings and cash about the time of the marriage and by the time we split up, I was in debt (credit cards). She went back to work in November and makes enough to take care of herself (even enough to unwisely spend it). If it makes any difference we are both in our early 20s.

Thank you in advance.

u go get the paperwork either from the county where u live or a paralegal, u fill out your part, take it back to the courts have her served, she will have a short time in which to respond, and send her paperwork back, if she doesn't respond, a court date gets set anyway, and u get your divorce by default.

2009-04-19 21:56:34 by Point

debtreliefmiamiflorida.com Debt Consolidation Florida - Consumer Credit Counseling Florida. Debt settlement, Debt management, Debt negotiation. A ...

Hello, I really need some advice... I live in florida and I am currently trying to find someone that would let us borrow $25,000 to get COMPLETLY out of debt and just have one payment other than our house payment and car payment.... No banks will give us a loan and I cant find anyone to help..... WE have a credit score of around 500.. not that great but we are trying to bring it up... We both have very stable/steady jobs and just found out were gonna have our first baby in june..... I really would like to minimize this debt into one payment... I have tried credit counseling... Doesnt work that well.. Anyways if anyone has any advice on any agencys or companys that help people in my situation with low credit scores.. pleaseeeeeeeeee let me know.. thanks so much

The reason creditors have a hard time lending money to people with low credit scores is because you've already shown them that you have money problems, budgeting problems, or something. Of course you are working on raising it and of course you feel that just one loan is going to relieve the burden. The truth is that whether you owe $25,000 to one lender or $2,500 to ten lenders, debt is debt. The lenders know that if something happens to your income they will be out by the whole amount instead of a portion of what's owed. You didn't get into debt overnight and you won't get out of debt quickly either. Take a deep breath and relax. Consolidating a loan isn't going to be your answer. You need to either increase income or reduce expenses and use sensibility in decisions. You are not the one couple in your situation. Do the best you can do to pay the debts you have accumulated because more expenses will be resulting when the child is born. The lower your credit score, the higher the interest if you can get a loan so it doesn't make sense to get further in debt or more behind in payments. Do you have enough equity in the home to use for collateral? Do you need the car that you have or could you get a less expensive model or refinance it at a lower rate??? Don't think about what you cannot do... concentrate on what you can do to make your money go further. Do you have a cell phone? How many cable channels do you have? Do you overspend on groceries and dinners out? Can you work part time selling on Ebay or babysitting on weekends or running some kind of non-profit agency to help the community?

2006-11-11 06:07:30 by giggels22