Determinedmom is correct in saying that this isn't enough to solve the problem, but a step in the right direction is a step forward, so I'm glad that you are making decisions.DH resists this and feels we should keep borrowing until we are no longer able & then look at returning the car, not paying on cards, etcSo essentially, DH feels that having bills go to collections, being harassed by collectors, having credit shut off, the possibility of a judgment against you, and eventual bankruptcy is better than making some cut-backs now?<Nancy mutters into the corner of her cubible for a while>Does he perceive any good coming from this scenario? Does he understand how overused credit reports are now? That a credit problem could impact your ability to get good insurance rates, or could prevent you from getting certain jobs? Does he want to fill out every job application from now on having to say "yes" when he's asked about whether he's ever had a bankruptcy?Yes, I know, I do get upset over things like this.Cutting back in some areas now will help you keep that good credit he was talking about.What sort of jobs is he applying for?Nancy
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