No assets stuck in a chapter 13 and a job that's killing me
Title says it all. My situation is pretty rough right now but I'm stable with living conditions. I filed for chapter 13 a little under 2 years ago, and have paid back about 35% of what I owe. It's a lot, like $2500 a month. It's a 100% repayment plan. Here's where I'm at...
I'm done. Like emotionally, spiritually, mentally, physically done. I'm in this situation because of compulsive gambling. I know that needs to be the focus to get and stay clean. My lease ended a month ago which I was way overpaying for, and my friend is letting me rent the bottom half of their house for dirt cheap as long as I want ($400 a month, very grateful).
The problem is, I absolutely hate my job. Like...can't do it anymore. I make mid 6 figures, so don't qualify for a chapter 7. I feel like I'm expending so much of my limited time and energy just to get even. My blood pressure is high, my body is telling me a lot needs to change.
I have no assets except a car worth maybe 8k. Literally nothing. My expenses are dirt cheap. Hypothetically if I were to quit my job, what would actually happen? I can't do 2 1/2 more years of this crap, and I want to focus on myself and well being. Chapter 13 is not a "fresh start", it's a structured repayment plan that is great for people with families or have a home they want to keep. What would you do in my situation? Honestly.