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Guys, i am really in debt around 20-23K i considered today for the first time to given them a call and tell them i cant pay it back, i wanted to try and cut a deal i want to pay but just dont have how., only one working with a 9 month old baby, its impossible for me out of this debt at least 6 in interest i cant continue paying the minimum,
I also consider a debt consolidating agency, but i wanted to ask you guys first, please advise me, keep in mind there is no way i will have this money , the question is whats the best way to pay them back on a deal.
Thanks
Dan.
also have my wife as my AU , if i called them before asking for deal or even mention it would them take my wifes name off my accounts?
Dan.
I think you posted in the wrong section.
Can you list all the debt you have right now? Every detail including APR, minimum payment, minimum interest charge, etc. As well as your spending habit.
@danisgods wrote:Guys, i am really in debt around 20-23K i considered today for the first time to given them a call and tell them i cant pay it back, i wanted to try and cut a deal i want to pay but just dont have how., only one working with a 9 month old baby, its impossible for me out of this debt at least 6 in interest i cant continue paying the minimum,
I also consider a debt consolidating agency, but i wanted to ask you guys first, please advise me, keep in mind there is no way i will have this money , the question is whats the best way to pay them back on a deal.
Any possibility one of you could get a part-time job for a few hours a week? Doesn't have to be very many hours a week, but it might bring in a couple of hundred a month....enough to whittle this thing down gradually.
I would definitely have your wife removed before you do anything just in case.
Yup, we need more details, before the pros can give you any direction.
Your age can help with direction as well.
Your wife needs to work.... no question about that. I don't think its.ideal but its time to work as a team on this. Even if she just brought in a little bit of money by watching other peoples kids... its still better than not contributing.
+1 this requires team work and she needs to work and please dont come to the conclusion that a baby sitter is not an option cause me and my GF work opposite shifts and we both work and take care of a 5 yr old a 2 year old and a 3 month old.
My question is this, debt bills aside, can you make a living on just your income? if so then if your wife is able to make 300-350 per week then you could be out of this mess in about a year providing you put your tax return towards it. Then there is no need for a bk no need to ruin your credit. I was in your shoes a few years ago, I know what its like especially having that baby so please do not come to the conclusion that she cant work cause of no babysitter.
best of luck man
I can't speak for the OP or anyone else, but I'm closing in on 40 years old...three kids...17, 14, and 12.
If we had "waited until we could afford it", we'd STILL be waitiing...