I am so scared - My introduction
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|Thu, 05-15-2008 - 4:15pm|
I have stopped into this board a few times and thought I would make an introduction but I have been too scared to do it. This is so hard for me and I am sure you all understand but it is probably difficult because it means admitting I have a problem and I have finally lost control.
I have a large amount of credit card debt - to the tune of over $21,000. I am married but I don't think my husband is aware of the debt because I simply don't tell him. My fear is partly because if he did know he would leave me because this is not the first time I've gotten myself in debt. He took care of it for me but he said if there was ever a next time, he would leave. I admit that he is controlling and can be a jerk but I am not in a position to leave myself...
We have four children from ages 12 to 2. I built the debt in the last two years after the birth of the baby (now 2) and also beginning to work at home. I would never ask my dh for money simply because I didn't want to hear how we didn't have it - though groceries were needed, diapers, clothes for kids, school supplies, gas in the car... you name it. I very rarely spent the money on frivolous things. It most always baby needs, food, and gas.
Today I think the fear has overcome me. The last two months I had very low business (and that is when I fell behind) but now I have finally built a decent clientèle in which I make close to $1000 on my own a month. But my cell phone has been shut off (which I do need), and today my dad's GF got a call from one of the creditors - I've never lived in the house my dad is in, and I have no idea how they would have gotten his information.
So now I am scared. I don't know what to do. I get phone calls all day long but I don't answer because I don't want to be harassed. I don't know what to do, I have no assets in my name, no savings... not even the house. Everything my dh controls so I know that a creditor can't take anything from me... but I want to take care of this on my own. Without involving my DH but I don't know where to begin.