She Left Home And Brought Her Kids To Her Ex’s House After Her Husband Allowed Debt Collectors To Take All Of Their Money
Two months ago, this 45-year-old woman woke up to discover that her bank account had a balance of $0.
From her perspective, her husband is to blame for this, and after processing everything over the last two months, she doesn’t know if she’s going to be able to forgive him.
The bank account that was drained was a joint account she and her husband opened together.
This was the account where her husband had his paychecks deposited, and it was the account they used to pay their rent, their credit card bills, and the account they used to pay for their groceries.
She pointed out that she and her husband are by no means wealthy. At her job, she works 28 hours per week for $14 an hour, while her husband works full-time hours and earns $18 per hour.
She and her husband have a 7-year-old daughter together. With her ex-boyfriend, she had a daughter, who’s 12.
They broke up because he was unfaithful to her on a constant basis, and they never got married.
In her view, the whole ordeal began when her husband got his real estate license.
He did so because he wanted to make more money aside from his full-time job, but he unfortunately didn’t have any luck until over the summer.
Kostiantyn – stock.adobe.com – illustrative purposes only, not the actual person
“He became concerned about how real estate agents have the trusted with sensitive information and was afraid it would work against him if he was being sued by creditors,” she said.
“I admit that to soften the standard of living disparity between my ex and me, we took out more credit cards than we should have, for my daughter’s sake. We got collection calls, and I told him to tell them to get a life.”
Throughout this stressful financial situation, she brought up the possibility of filing for bankruptcy, but her husband rejected the idea, pointing out that the creditors would still try to collect the money they owed despite declaring bankruptcy.
Unfortunately, one of the creditors, in particular, was extremely confrontational and relentless, and this creditor tracked them down after they’d moved.
Her husband explained that because his real estate license was public, creditors would always be able to track him down.
Eventually, her husband called the creditors and negotiated with them until they agreed to lower the amount that they owed down to $700, which she felt was something they could financially deal with.
“My husband said he’d take care of it, said they agreed to write it off, and then paid with an e-check. For, like, a few days, everything seemed alright,” she explained.
“Then, I woke up and found out THEY DRAINED THE ENTIRE ACCOUNT–FOUR THOUSAND DOLLARS. I broke down crying. My husband came in, and instead of doing something, anything, he just clutched his chest, motioned helplessly, and made some sort of gasp.”
After that, her husband sat in silence. She, on the other hand, was panicking in her head about how they didn’t even have enough credit so that they could buy groceries that week.
Because it was an emergency, she’d have to use the money she received in child support from her ex-boyfriend to buy food for the family.
In the end, she got her daughters, and all of them drove to her ex-boyfriend’s home because she didn’t have anyone else to reach out to for support and a place to stay.
“Despite being a cheater, he did not want his daughter to starve or to watch her sister starve. So, he let us stay there. My husband tried calling me,” she shared.
“He acted possessed when I went to get more stuff. He left reviews saying this company took away everything he had and was ruining his family. My ex said everybody knows debt collectors would do this, and my husband should have listened to me.”
Two months after the ordeal, she is in the process of finding somewhere else to live on her own.
Her husband isn’t utilizing his real estate license, and he’s struggling to hold onto his full-time job because the situation with the creditors has been taking up so much of his attention, and it’s been difficult for him to focus on work.
Every time she’s been around her husband since she left their house with their daughters, he has been angry and expressed resentment toward her.
A couple of days ago, she and her husband got into a huge argument, and she told her husband that if he’d taken her advice about ignoring the collectors’ demands to pay them back, they wouldn’t be in this predicament right now.
She feels like she’s processed everything and wants to move on.
What advice would you give her?
You can read the original post on Reddit here.
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