Awhile back, I wrote about the fact that I had all but ruined DHs and my credit through poor management. Everyone here agreed that I should tell him, so that we could get throught this as a team. I didn't like that idea - AT ALL. He comes unglued at the thought of owing anybody anything, or being even one day late on a payment - and carrying a balance on a credit card is pretty much the end of the world. Add to that the fact that he is a manic depressive with suicidal tendancies. No, I didn't think telling him that we owe $45k on credit cards was a good idea. I have walked around with the weight of this on my shoulders and heart, even thinking that if I were to die, DH would have my life insurance money to pay everything off.
Monday night I get home at 1am from my second job - did I mention I work about 16 - 20 hours a day? - and he was lying in bed with his credit report in hand. Uh-oh. The gig is up. Tex is in BIG trouble. If I could have, I would have run out the front door and hurled myself in front of an 18-wheeler. Then my agony would finally be over.
Yesterday we went to CCCS. Very nice gentleman went through our budget - and what's killing us are the interest rates. As high as 32% with BoA. He assured us that with our salaries, their program would have us out of debt in 18 months. Then he said something I didn't expect: "Why don't you sit down and call all these comapnies and tell them your situation, and ask them to cut the interest rates for a year. Tell them you came to see us, and that you would like to care of this debt without a DMP." I wasn't expecting that at all. DH asked the man if ours was the worst he had ever seen - and thank you Jesus- He said that ours was quite managable, if we used a budget. DH felt much relieved, and to his credit, he says he still loves me.
So, in the next couple of days, we will call and ask for reduced interest. Please keep your fingers crossed! And Myhearts - your prayers are really needed!
