Thanks FlyingIFR! I'm hoping to stall a debt collector long enough to do some real research and I'm so glad I found this website! This place has been so helpful that I will make a donation to keep it going when I can.
For now, here's where I'm at...... After being unemployed for more than 2 years and long since run out of unemployment benefits, we are short selling our home. We will live in our camper for as long as we can since my partner has been cut down to 32 hours a week. The collectors coming looking for me after my partner declared a Chapter 7 are trying to collect unsecured loans we took out to finish this house so we could refinance into a fixed rate, until our mortgage Co said no that is!
I'm going to send the collectors a Dispute Validation since the largest loan taken out should have had me as an authorised user instead of a joint applicant. I have no assets to take any longer. We will be out of this home soon and I'm hoping to be unlocateable for awhile.
This will give us time to regroup since I cannot file Chapter 7 for almost 2 years, but I'm actively considering Chapter 13 now hoping to convert to Chapter 7 later. Even though I'm working now, I barely clear more than $250 per week!