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| Mon, 06-06-2005 - 10:07pm |
Hi I just found this board today and I already love it. My name is Orcibia and I'm 22, DH is Brett and he's 30. We have a 2 year old boy and a 3 month old girl. I'm a SAHM because DH doesn't want to leave the kids with other people. Since we've been together we've been able to pay the bills on time. We we're living paycheck to paycheck, but now he's making a little more money but for some reason with every single extra penny he gets we buy something extra. He has some old debts that he got when he was younger and hasn't been able to pay it. He wants to file for bankruptcy but I don't think he should, I feel like it's a cheap way out. I was looking at his credit report and it all totals 20,000 more or less. We have some money saved and he's thinking on using it to pay 1000 to a lawyer to help him file bankruptcy. I told him that if he really needed to file bankrupcy he should even have to pay 1000 to a lawyer the point of bankruptcy is that he has no money. With what we have saved we can pay some of them and then make some payments every month but he doesn't think we should do that since it will take a long time.
I hope I can get some ideas on how to save and pay his debt.
Orcibia
