My Husband is a US Marine Corp Sargent. We Can’t Make Ends Meet. – Rose

“Dear Steve,

My husband is a Sargent in the US Marine Corp. Just after he got home from Iraq and before we got married he purchased a house for us. Because he had orders saying we would be in that area for three years not even three mounth after he got home and closed on the house he gets new orders. After we got to the new duty station we needed to get a second car because we live 30 minutes a way from the closest store. The car I drive has was given to me so we owe no money on it.

After we buy the truck the people we had renting the house we owned moved out with no notice laving the house in disrepair. Also we found out that the military was over paying us. I do not work because I have three children and child care and gas prices are to high for me to get a job and make any money. The two older children from my first marrige do not get the court ordered child support regularly. So I do not count on that money in our budget.

How do I pay all the bills when we are $1000 short every month. I had to stop paying the house because we do not have the income to cover the house, truck, food and household bills.

If I pay the house, truck and household bills I have no money for food. We are close to the house going into forclosher. I do have student loans from before we were married that have not been paid. They are in a economic hard ship hold because we do not make much money. Is there any way to get out of this mess with out losing everything and messing up my husbands credit? We only have one credit card the problem is that is maxed out.

See also  Steve, You've Been a Big Help So Far But I Need Some More Advice. - Joan


Dear Rose,

In times when the expenses exceed the income you have three choices on how to solve it. You can increase income, decrease expenses, or a combination of the two.

It sounds like this is a snowball situation that has been building as time moves forward. I don’t really see a way to unwind that clock. And since additional income is probably out of the question, we need to look at how to reduce your debt payments.

At this point with the distant home is disrepair and you without either time or money to repair it, the most logical solution would be for you to consider a legal fresh start and file bankruptcy. Here’s why.

There is no reasonable expectation you are going to dig out from this deep hole without intervention. The sooner you can begin to live your life within your income, the better.

Besides, I need for you to get back to a position where you can afford to meet your basic expenses ad save some money each month to protect you and your kids in case of a financial surprise.

I don’t really see those goals being able to be achieved without that legal second chance I spoke about.

Before you jump to any conclusions about what to do, let’s get you and your husband informed so we can make the best decision for you.

I would suggest you click here to find a local bankruptcy attorney and go talk to them. Once you do, come back here and update me in the comments section below and let me know what you think about that approach.


You are not alone. I'm here to help. There is no need to suffer in silence. We can get through this. Tomorrow can be better than today. Don't give up.
Damon Day - Pro Debt Coach

Steve Rhode
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