Hi all,

It's been a bit over a year since I got divorced and everything has racked up to a point that I can no longer maintain. I was blindsided in my divorce, within a week of being told he was filing for divorce, my paperwork was already filled out and ready to be signed. I, stupidly, thought that not splitting any assets or debt would make our divorce and future "friendship" easier. I used my credit cards to pay for many of his car repairs or emergencies because as a "team", I thought we would pay it off together..

I now, obviously, realize how stupid and naive I was. Between several car issues, not affording to live on my own and hospital bills. I am about 36k in debt and as time continues, every time I pay something, a new issue even MORE expensive arises. I am at a total loss. I feel like I will never get out of this hole. I am currently on a debt management plan that has been great, but with so much more on my plate, I feel like maybe this is the route I should take so I can get a clean start. I have done the budgeting and done finance programs, yet, life continues to happen.

I have always been responsible with my money, but it seems like this time, I just cannot come back.

Does it get easier? Was anyone in a similar situation where they filed and now feel much better relief or do the same life patterns continue to get to you?