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I have been around this board for about 2 years now and I have posted once ot twice. My newest dillema is one that I have pondered for many months. I got divorced earlier in the year after a two year seperation. I have got back with my ex-wife and we have been living together for 3 months and everything is going great except for the Mt. Everest of debt. We have no out of ordinary expenses except for the usual for a family of four(Daughter 10,Son 3). We have no frivalous expenses except for cable and a cell phone. The cable is a must with children and only 28.00 a month. The cell phone is also 28.00 and saves on long distance because the plan that we have and the lack of use works out. Between us we pay out over 700.00/month on credit card minimums. I have talked with 4 different CCCS and they all say that with what I make and my situation that I should really consider bankruptcy. I have good credit and have always paid my bills. The problem is that if I pay them the lump sum every month then I will have no money for any kind of emergency. I have two old cars(87,90) and these will break down at some point. I don't use the cards but I can't pay more than the minimums and the minimums are causing me to use the cards for any bump in the road. I have evaluated all the options. We have a house with 3 bedrooms for 800/month which is below average for the area and my income is above average for the area. Mistakes I made when I was not Foolish have caught up with me. I have lived on cash because I do nothing that will cause me to use the cards but I also want a life! Any suggestions would be appreciated. Thank you to all for all your support and help over the last two years. Just reading this board everyday shows that there are good people in hard circumstances but there is a way out.
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