redatlanta-
THANK you so much for the info....
to answer some of the questions... the student loans were consolidated into both our names when we got married. they can not be unconsolidated, ever. ive spent hours and hours on the phone with sallie mae and the consolidation choice was a poor, stupid one.
so the collection student loan debt is in both our names. that's why im paying his share too because otherwise im at risk of defaulting too-- consolidating loans together was so stupid... i had very few loans, he had tons, and it was a horrid mistake to do that on my part.
i own my home (i have a mortgage) so ive been worried about BR because i don't want it to impact my ability to keep my house... i had been looking at ch 13 because of that vs. ch 7...
again, thank you so much for your post... it makes me feel somewhat less terrible about this inevitable choice i have to make...