I’ve never had the courage to do what’s right for me. When facing a decision, I always choose to make things easier for others even if it makes things harder for me. My current misfortune is a result of one of those choices.
It started with the best of intentions. It always does, though, doesn’t it?
I had a huge decision to make. I had just left the twins’ mother and I had to make a decision on the house we had bought together. Was I going to force her to sell or would I agree to let her stay there on the condition she refinance the house to remove my name from the loan?
When I thought about it I remembered all the times I moved as a child. I remembered all the new schools. The new faces. Never having friends because I never knew anyone. I remembered refusing to make new friends because I just knew we’d be moving. Again. I remembered all the pain. The anger. The tears.
And I knew. I knew I couldn’t do that to my children. I couldn’t make them change schools. I couldn’t make them move. So I agreed to let her remain in that house on the condition that she refinance the house.
It’s been all downhill ever since.
Not long after I left her, the twins’ mother decided to quit her full-time job to sell Mary Kay products. I cannot fathom what convinced her this was a good idea, but somehow she thought she was going to make a living doing this. Then she got in a car accident that fucked up her knee pretty good and completely sapped whatever income she may have been making. Consequently, the mortgage on “our” house didn’t get paid for almost an entire year. In turn, that fucked up both our credit reports and made it impossible for her to refinance the house.
I discovered “my” horrible credit when I attempted to buy a car. The salesman informed me that my request for financing had been denied because I had defaulted on my mortgage. I kindly informed him that I no longer lived there and that mortgage was no longer my responsibility, but the bank didn’t care about that and was telling all three credit reporting agencies that I was a dunce who didn’t pay my bills.
So I got a lawyer and took my ex back to court. Sadly, the only thing I got out of that was a court order saying that I was not legally obliged to pay any moneys on that loan. The option to force her to sell the home was not viable because she had trashed the house, and it was no longer worth what was owed on it. The judge was also not legally able to order the bank to remove my name from the loan.
So I was stuck.
About a year later, my new bride decided to declare Chapter 13 bankruptcy because she brought almost $25,000 worth of credit card debt into our marriage (yes, that was a red flag I shouldn’t have ignored). I decided to file with her to have the house removed from my credit. That was the only way I could conceive to have a chance to repair my credit.
During 2008, 2009, and 2010, we owed the state of Kentucky taxes at the end of each year because Superbitch’s employer refused to withhold Kentucky state taxes from her paychecks (she worked in Ohio at the time). After consulting with our bankruptcy lawyer, she told us that we could addend the case to add the money we owed the state. We simply needed to pay the court costs for doing so. We eventually forked over the $150 court fees for doing so.
Last night I came home to find a collection letter from the state of Kentucky chilling in my mailbox. In it, the letter says that our bankruptcy case has been closed and the stay lifted, and that now we have to not only pay back-taxes, but fees and interest, too. They want almost $2250 from my empty fucking wallet.
The stay lifted? What fucking stay?
I immediately emailed my bankruptcy lawyer and asked her, “What the fuck?” Her response was, and I’m paraphrasing here, “Sorry, can’t help ya. Work out a payment plan or something.”
What. The. Fuck. Thanks for nothing, bitch.
All of this, years of financial torment, because of one fucking decision. One that, knowing what I know now, I’m not sure I’d make again.
Frankly, right now I just want to run away. I just want to hide. I am so fucking tired of shit going wrong. I am tired, just so fucking tired. With all the thousands upon millions of people fighting their way into this country illegally, all I want to do is get out of it.
But I can’t run away. I won’t run away. My children are depending on me. They need me.
So I’ve got to man up and somehow find my way through this and ditch the urge to run.
They say that you should make lemonade when life hands you lemons, but what if the lemons that life hands you are rotten?
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