Okay, here it is - we owe $81,000 to a combination of credit card companies. FWIW, $81k is not the highest amount this board has seen. We've seen six figures before, and they've dug themselves out! Don't bother pointing out how stupid, crazy, irresponsible, and awful this is - I live with this shadow over us every day. But, is there any hope? You've come to the right place, PineLevel!!! Nothing but help, encouragement, and the occasional "tough love" here.The main questions you need to ask yourself is HOW and WHY this happened. More often than not, it is behaviors and attitudes that need to be recognized, accepted, then changed to reflect your new G.O.O.D. (Getting Out Of Debt) priorities. If you feel comfortable enough, you can post your monthly expenses and we'll take a swath at what seems reasonable and what doesn't. Sometimes it just takes a new set of eyes to make you see something. For example, a few weeks ago, it was pointed out that someone's truck payment was more than their mortgage.We make enough money, but the minimum payments are $1800.I'd start by reading the FAQ to the right ========>That's a good primer on lots of the things we'll be talking about. In particular, pay attention to the parts about emergency funds, freedom funds, and snowballs. Well, at least now I've confessed. Maybe that's a startThere's no "maybe" about it...it's DEFINITELY a start. Take a look at step 1 of any 12-step program. So, welcome, settle in, and when you feel comfortable, let us know how we can help.-Agg97
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