Well, to clarify, getting a 2nd job isn't going to happen. My husband already works 70+ hours a week and I can only work 30/week, We have a child that I have to take care of. I could get a full time job but I'd make the same amount of money working 40 that I do working 30...plus I'd have to pay extra for child care. (It already takes 1 of my 2 week paychecks to pay for daycare) That just doesn't wash.
We only have 1 car, not 2 or 3 like some people who file. We purchased the car when I worked full time, making about $15000 more per year and my husband was making about $10000 more. That wasn't an issue and isn't claimed on my bankruptcy. When my job wouldn't let me return to full time work, that's the issue. That's the lack of extra cash to cover the mortgate amount.
It's not bad to be underwater in a home, especially if you want to stay. But when you are basically $50000 underwater...I'll NEVER be able to get that money out of my home EVER! I work for a real estate company. The market here isn't going up any time soon. In fact, when I wanted to list my home before we filed, my agent would only list it for $160,000. Therefore, I couldn't sell and WF wouldn't approve a short sale. I'm not wanting to stiff anyone, but if they aren't willing to work with me then I'm not working with them. This is just a house. My family is what makes it a home and I can make a home somewhere else. I purchased during the huge 80/20 boom in 2006 and have regretted it ever since.
The reason I wanted opinions was to just try to get some ideas of what else I could try. I'm tired of going round and round and nothing ever coming of it. Also, there isn't a forum for my location. I checked.
Your reply is appreciated but your smart tone was not. I'm just trying to do what's best for my family with what I have to use.