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We Are Getting Further Into Debt and Not Sure What to Do. – Karen

Married, with two small children. We are both over 40 with about $75 k credit card debt. Both employed FT. My husband and I both have a large amount of credit card debt…. I have $40k and he has $35k. We can make our minimum payments and we are not behind, but we have no left over money at the end of the month for necessities and we end up using credit that we just paid off.

I don’t see away out… We do of qualify for consolidation loans. We are afraid to file bankruptcy. We don’t want to lose our home. Should we work with a company that will charge us to manage the bills so we can have one lower payment per month? We realize this costs more in the long run, but we don’t know what else to do.

Karen

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