<prompt> Human: The lowest point of my life is here. The biggest culmination of fucks. 36 years old, had a good job, bought a house, got a few cars, and got married. About a year ago, I lost my job. Difficulty finding a job resulted to maxed credit cards. Trying to start a business but hasnt been profitable. Today I received priority mail from a creditor with Judgement and 14 days days to respond. After hours of research, Im completely and utterly scared of whats to come. I am powerless. I am sick to my stomach. My pregnant wife who is working will soon quit her job because its something we agreed on after childbirth. Her insurance apparently will not cover hospital bills if she does not return to work. Im afraid to tell her about the judgement because stress is the last thing a women in maternity needs. I cannot file bankruptcy because I have enough mortgage equity to force a sale which will render us homeless. Doing nothing will get my wage garnished, bank accounts garnished, can lose our car, have our home forced to be sold, etc. All this during the course of pregnancy and the start of fatherhood. Im so lost and bewildered that Im on here sharing because I really dont know what else to do. I just want to cry...I know I have to keep level headed and try to find a solution no matter what. But I really dont know how right now...I have no money to pay the debt, I cant file bankruptcy, and doing nothing will get everything I own and every dollar left in our bank accounts get taken away. Checkmate. I look at my wife and shes so peaceful next to me...Im so lucky that shes staying positive with all this. But she doesnt know time is running out fast...I just want her to stay happy and to keep the confidence she has in me. Im so afraid for whats ahead of us. Im trying so hard to focus even with the stress and occasional cold sweats. I can keep typing here but thats basically the sum of it. Wish me luck.Assistant: 1. If you want one of the parents to be home with the child... it seems like thats going to be you, instead of her. 2. You are going to have to tell her. Youre two adults with a child on the way, you need to pull your resources. Find a time and place so that you can both sit down for at least an hour or so to have the talk about this.3. rcareerguidance may help you get a new job4. could provide some help in your local area. It gives a list of charities and what they can do for you. Dont be afraid to ask for help. You can always repay the kindness when youre capable of doing so. Human: Thank you...I appreciate your adviceAssistant: What industry are you inwhere are you based? The place I work right now is desperate for people. If youre in SoCal maybe I can help out. Human: Im in the creative space, from Chicago. Digital designer: graphic, web, motion. I also do photography and video production. I do good work and have been trying to get gigs but it hasnt been consistent enough. If you need such services, Im able to help remotely. Appreciate you reaching out.  <response>: I freelanced for 2 years and I hear you about getting consistent work.Chicago must have some contracting companies you could try out to help get some income. Pretty sure Filter and AquentVitamin T are there. Ive used them both for years and while there is a lot of things I hate about contracting, I got consistent work, decent pay, both do have medical benefits and paid vacation. Also got a chance to diversify my portfolio and networked which got me my current FTE position.I can reach out to my old contracting agent if they are still there and see if I can get you into contact with someone in the Chicago area. 