<prompt> Human: So my marriage is headed to divorce town. I have the better credit, and make most of the money. Almost everything house, car, credit cards etc except a financed SUV is in my name alone. - Mortgage, balance of 196,000 at 4.5 with a 1447month- 2012 vehicle, balance of 12,400 so upside down due to impulse trade in of previous car, absolutely regret at 14 that I cant refinance without a 3k down payment because of the negative equity, 388month - store credit cards in my name Home Depot, Old Navy, Kohls, Victorias Secret, Walmart all with 0 balances but insane interest rates and hidden in freezer - Credit union visa, 2500 balance at 11, min 75month- Capital One, 1900 balance dont know the interest rate min 50monthOur 1 joint purchase is a 2011 SUV with a balance of 17000 at 5 interest, 340monthCar insurance for 3 vehicles his POS truck used for dump runs etc paid off: 256monthI take home 3200. Ive done the math, and will just barely be able to afford staying in the home if I voluntarily surrender one the vehicles, thus only insuring my one car and including cell phone payment he pays for it each month. House richcash poor scenario. However, I dont want to stay in my home: I had it built for us, while we were engaged so I brought it into the marriage but I would never want to live in the suburbs by myself. Its 50 miles from my family, 2 from his and he refused to live in the city so were here. We dont have much equity in the home, only lived here 2 years and it was new construction. I think on my last statement my principal was 1000 less than originating balance- I pretty much only own the 3 toilets in the house. Short sale or foreclosure seems to be my only options as I couldnt pay realtor or closing costs to sell. I have yet to contact any lenders to review my options but Im not naive enough to know my credit and finances will be thoroughly fucked.Would it be better to just let the house go into foreclosure and use the money to reduce balances on the vehicles to then sell on CL and pay off loan? That way only a foreclosure hits my credit and not a foreclosurerepo? Or is it an incredibly stupid idea?  <response>: As someone whos been there: get a GOOD attorney. A divorce is financially devastating. Spend whatever money you need to get the best lawyer in your area. It is worth it. Do not cheap out. Borrow from relatives if you have to.Just as a for-instance, my ex got a cheap, crappy attorney with low online ratings I looked her up who worked for a flat fee and she was utterly incompetent. My good lawyers absolutely kicked my exs ass financially because his lawyer was too incompetent to do things like have real estate appraised. 