I got married in 2000 and filed chapter 7 in 2002 because of some debts I accrued prior to my marriage. Since we have been married, my husband has had 3 major surgeries. We have insurance but still have huge medical bills for what insurance didn't cover. They have all since gone into collections. We do own a home we bought in 2001 but we got a bad deal on it-when we went to close, the payment was like $200 more than we had been told it would be.


