我真是个混蛋吗？因为我老公让讨债公司把咱们的钱都拿走了，我就跑去前任家了？

Wow, YTA.


Right or wrong, YOU incurred this debt.
He negotiated, in good faith, to clear it up.
Collections ROBBED you two.
You blamed your husband and left to your Ex's?


WTF?!?!?!?!?

He was right to negotiate as it wouldn't just go away.

One mistake made was to have all your money in one account. Technically speaking, collections most likely broke the law and I would look into that. You should also discuss with your bank because of they had a check for $700 and somehow got 4K, sounds like forgery/fraud and someone at the bank should also have some explaining to do.

As far as your husband being pissed, yeah, I'd be pissed if you shit on me and ran to an Ex at the first sign of trouble. Fuck that.

YTA

No question

You didn't need to leave, you just wanted to move in with your ex-boyfriend. If he doesn't believe you're banging him, your husband is a fool and he sure doesn't sound like an idiot. He knows what you're doing.

ended up grabbing our kids and driving to my ex's house because I had nowhere else to go.

You could have stayed with your husband, I notice he's not homeless

Despite being a cheater, he did not want his daughter to starve or to watch her sister starve.

Do you really think that's going to convince a court during the divorce proceedings? Ever been divorced for adultery before? You're going to need a better story than this one.

He's fortunate to get rid of you so easily though he's probably too crushed and heartbroken to realize it right now. Thank God he only has to pay child support for one of your kids.

This all started because my husband got a real estate license in hopes of making extra money ( despite no real business until summer).


No it didn't, it "all started" right about


I admit that to soften the standard of living disparity between my ex and I, 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.


So... The real story is that you racked up a bunch of credit cards that you couldn't pay for so that your oldest daughter wouldn't like living at your ex's house more than yours.


I said if he ignored the collectors none of this would have happened and I'm ready to move past it.


I don't think you understand how money works. Do you really think you can just move to a new address and all of your credit card debt goes away because you no longer see the bills?

It's WILD that you are blaming your husband for trying to pay off YOUR debts as the cause for this.

YTA


I still can't convince myself it's not my husband's fault or that forgiveness is possible.


He wanted to not be hounded by credit card companies all the time it's his fault. Okay, let's keep going.


This was a shared bank account my husband and I had opened


Per the depository agreement you signed when opening the JOINT account, had you read any of it, you would understand any debt owed by either account holder can be pulled from even joint accounts.


This all started because my husband got a real estate license


So this is not where that started. Let's not lie. It started here


I admit that to soften the standard of living disparity between my ex and I, we took out more credit cards than we should have


You wracked up debt you couldn't pay,


We got collection calls and I told him to tell them to get a life.


That's not how debt works.


My ex said everybody knows debt collectors would do this and my husband should have listened to me.


Lmao, listen to you? No, honey, you had it all wrong

You're just a bitch.

You soften the standard of living disparity by getting more credit cards? This is the stupidest thing I've ever heard and it always will be when someone tells me they get a credit card for literally any reasons besides building credit or necessary purchases before your paycheck comes in.

If you get multiple credit cards to better your standard of living, you hurt it, every time, severely.

If you spend an extra $5000 in a year on a credit card that has about 20% interest, that's now over $1000 a year you have less because you are paying interest.

Then you make the same amount of money, give $1000 to credit card companies, and have no credit left because it's maxed. Except you didn't even pay the credit card company because they sold your debt to collectors.

This way of living will leave you with no money, no credit, collectors that will never give up bothering you, and eventually if you ever find a way to own anything, collectors will come for that too.

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Oh and then you run back to your ex that cheated on you, as if that the man who cheated is better than a man that at least made an effort to help your problem.