Shire,Thanks for the advice. I'm considering posting my income and expenses.I think I already know the problem. I took about 6 months off from work pursuing my acting career and we blew threw our cash reserves. We have gotten our spending under control and our income is increasing with each month. It's now just getting on a debt repayment plan and sticking to it. Still, may post the income and expenses just to get the advice. Thanks again.Scott
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