Husband and I nearly divorced last year We are making decent money right now but I am about to be laid off in May (supplemental employee making excellent wages) We have accumulated a crapload of debt due to the divorce, a lemon of a car we should have dumped and of course the house. We work seperate shifts,lots of OT and the bs is getting to us bad-don't want to end up divorced again. Have the 1st mortgage at an excellent low rate, a 2nd mortgage, over $35,000 in cc debt and a new car which I didn't want to buy in the first place. I can't take it anymore, there's way too much to keep track of. I can throw maybe $15k of cc debt on the house-our rate on the 2nd mortgage is 8%. We belong to the 700 club-thank god that didn't get messed up. I have to act fast before I get laid off, I am bringing home really good money but hubby's car just about puked-something bad always happens, layoff-accident,car puking or whatever-been in a rut for a long time. Want to get some zero rate cards, found out hubby's been paying over 18% on some of his stuff. I was paying around 10% on my citibanks, now they jacked me up to 15 (I lowered my limits thus maxing out my cards when my husband and I split up- thank you for taking advantage of me Citibank!!) I don't want to file for Bankruptcy but I don't know what else to do-the job market is crappy out here and I have 2 kids that need daycare in the summer.
