No. of Recommendations: 21
Welcome. I have changed things around a bit, but this should give you a better picture.....

Debt
CC        Int.Rate    Balance       Min     Limit   Utilization
Wamu 31.99% $12,304.78 $493.00 $11,910 103.3%
PayPal 31.99% $ 4,138.09 $166.00 $ 4,000 103.5%
Juniper 29.99% $ 4,004.09 $236.00 $ 3,800 105.4% (closed)
Kohls 21.90% $ 984.07 $ 50.00 $ 1,000 98.4%
Non-CC		
Mortgage 6.38% $262,000.00 $1,937.13 (+$400 through June, and $2800 payment due this week)
Cap One Auto 6.00% $ 3,404.00 $ 333.34
Chrysler 4.90% $ 12,000.00 $ 329.34
Family Loan 0% $ 900.00 $ 216.67
Monthly Expenses
Sewer	                          $ 80.00         none
Car Ins $137.18 $137.18
Verizon $180.00 none
Water $100.00 none
Garbage $ 70.00 ?
PGE $175.00 $209.85
Phone, Satellite, Internet $170.00 $169.86
Toll Pass $ 80.00 none
Studio $ 49.95 none
Music $ 12.99 none


One question on the expenses - why is there a $180 Verizon bill and another $170 Phone, Satellite, Internet bill? That's $350 a month - which is certainly more than you can afford in your current situation.

As far as your current situation, I see an immediate need for:
$1,436.18     (current overlimit on credit cards, plus $400 cushion on WAMU and $150 cushion on
each of the other 2 so you won't go overlimit due to monthly interest)
$2,800.00 (house payment this week)
$ 516.89 (overdue monthly expenses)
$4,753.07 TOTAL
just to stop the bleeding. That's $4,753.07 that you need right now! Do you have that? If not, would DH rather have a motorcycle or a house to live in? Because that's the level of choice you are at. Unless you can find some other way to come up with this money IMMEDIATELY, you need to sell something to raise cash.

Then, for the next several months, your minimum monthly expenses will be $5137, without counting little things like food and gas.

DH's takehome pay is an average of $5295/month and you bring home $1000 per month, so if you can keep food, gas and other expenses to less than what you bring home, you can squeak by, but you sure won't make any progress on the CC debt until at least July when you get the shortage on the house paid. Then you will have $400 to start snowballing the credit cards.

And with a 30 day late mortgage payment, the hope of getting additional credit, like a HELOC, getting decent rate BTs or lowering your current credit card rates is probably minimal for at least 2 years.

If you and/or DH are not willing to get additional jobs, and you are not willing/able to sell the items that you have accumulated, you might have the consumer debt paid off by the time you wanted to retire, but you will have little/no retirement savings and you will still have a mortgage to pay.

So you have some hard choices to make. And only you and DH can make them.

AJ
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