my husnabnds parents are claiming bankrupsy. They paid off my husbands truck about 1 year ago so that I would be able to stay at home and take care of our daughter. His Mom has done some foolish stuff in the past that has cost them over $65,000. They just sold their house here in Florida about 2 months ago and moved to Virginia. They have really good friends there that gave his Dad a good job. When they started to file for this, his Mom said to get the truck in my husbands name. It's in his name and his Dad's, but says "or" between the two names. She said that everything would be fine. Well, my husband has been working his off for the past month and a half because he just got promoted, and we could use the extra money. Well, his Mom calls him at work today and tells him that we are going to have to pay for the truck now. They gave us about $10,000 to pay it off. Well, we don't have the money to give them, so we can also give them the truck and we get $5,000 for it. His truck is worth at least $12,000. I am soooooo stressed out right now, I could cry. I am trying to stay calm for DH's sake, but it is eating me up inside. I feel like whenever someone does something nice for us, we get screwed in the end. I have cut down on spending these past few months, and we are still ok, but like I said before, money is tight. We just got myself a new car about two months ago, and now I regret it. We had no car payments, but Chris wanted me to drive something safer. I hate money so much and wish that everything was free.
Last night we were talking about having another baby and now I don't know when that will be possible. I didn't want them too far apart. I don't know what to do. I don't want to work because then I have to put Rylee in daycare and that is about $800.00 a month which would be almost my whole paycheck. Someone help me please.

By Eve on Wednesday, June 30, 2004 - 11:55 am:

I would put your car up for sale now. Then, when it sells just get a cheapy car to get you by. I'm not sure how it will work with your DH's truck since his Dad's name is on it as well. You may just have to let that go and get a cheapy car for your DH too. There are some great little trucks out there, so I'm sure he won't have trouble finding something to get you all by.

I'm sorry you are going through this. I wish I could be more help! Good luck.

By Palmbchprincess on Wednesday, June 30, 2004 - 11:59 am:

Have you talked to a lawyer? I'm pretty sure if it's in both names and it says "or" that they can't do anything about it. It's in the possession of your DH, and he is on the title. Now, their lawyer may be trying to get money for it to pay his fees or something. Consult a lawyer, or if you have to, take a loan out on the truck to buy it from them. ((((Rayanne)))

By Rayanne on Wednesday, June 30, 2004 - 12:10 pm:

Well, now my DEAR DEAR HUBBY called and said that we might not have to do anything. Please keep us in your thoughts and prayers that we won't have to get rid of anything or give them money and everything will be fine. We should know something between next Tuesday and a Month from next Tuesday.

By Children03 on Wednesday, June 30, 2004 - 12:18 pm:

I am sorry to hear this. It is a stressful thing to go through and I will definitely keep y'all in my prayers. Keep us updated on your situation.

By Dana on Wednesday, June 30, 2004 - 01:09 pm:

A prayer has been sent for you.

By Coopaveryben on Wednesday, June 30, 2004 - 02:00 pm:

"Last night we were talking about having another baby and now I don't know when that will be possible. I didn't want them too far apart."

I just wanted to offer you this bit of advice my mother told me and it is so true. If you want to have another child don't wait for the money, you will never have what you think you should, but when the baby comes you will always have enough. Also, financially if you put them to far apart it will be that much longer before you can return to work. Just a thought.

I'm keeping you in my thoughts and prayers about the truck situation.

By Emily7 on Wednesday, June 30, 2004 - 03:15 pm:

If the truck was a gift to your dh then it should be okay.

By Momaroze on Wednesday, June 30, 2004 - 03:41 pm:

Rayanne, regarding having another child. Your baby is still so young. I had my 3 kds over 5 years apart. In between I did in home daycare, alot. If there is a will you will find a way. Chrissy's mom is so right.

BTW, sorry to hear what you are going through. (((hugs))))

By Rayanne on Wednesday, June 30, 2004 - 04:33 pm:

Emily, that's what I thought too and I told my DH that, but I guess the rules might be different in Virgina.

Chrissy and Lynn, I know that you are NEVER finacially ready for a baby, but I don't want to be stressing either. I know that Rylee is still young, but I don't want to wait another year and a half to have one. We might not try right now, it's just up for discussion. I'm still on the pill, so if we did start to try, it would be in October or November.

Thank you all for your prayers. Keep them coming. I need anyhting and everything right now.

By Rayanne on Tuesday, July 6, 2004 - 04:03 pm:

My FIL just called and said that everything is covered under my DH truck except $2300.00. We might not have to pay that though because he said that with such a little amount, sometimes they overlook it because it's more trouble to go through the process to get the money. Hopefully we won't have to pay anything. We should know in a month.

By Boxzgrl on Tuesday, July 6, 2004 - 06:44 pm:

Good Luck!

By Rayanne on Sunday, August 15, 2004 - 10:22 am:

Everything should be processed by next Monday. Please keep us in your thoughts and prayers so that we won't have to pay the money. Hopefully all will go well, and we won't have to worry about anything.

By Tink on Sunday, August 15, 2004 - 11:36 am:

I'll be praying for you. Let us know what happens.

By Rayanne on Thursday, November 4, 2004 - 09:48 am:

Everything is FINALLY done!!!!! We do not have to do anything!!!!! I am sooooo happy.