Nice reply, agg.Let me just add that you will never find a group of more non-judgemental Fools who have been there, done that, and tried to hock the screenplay. Some of us have had small credit problems, others have had debilitating financial difficulties. The one thing we all have in common is that we came here seeking advice and support and we all received it. Now many of us offer it. There is practically no story, situation or excuse you can offer that someone else here has not already been through and survived.My advice is to lay out the details of your debt, your income, and your expenses. Be prepared for some tough love. Our first job is to move you from your overloaded financial senses to a more controlled and focused look at your fiscal life. We do it with a combination of shock and awe. And we will celebrate every victory you bring about with a little Happy Dance. FuskieWho hopes both you and your spouse participate in this Foolish process, take nothing we say at face value, and make sure you understand and agree with every decision you make...
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