I will try to make this quick and to the point. 1. I live in a home that is 30% underwater and no sign that will change in the next ten years. Value today $70,000 on a good day. I owe $104,000. 2. I have $26,000 in credit cards and I'm using Greenpath to make payments $300 bi weekly. 3. I have one car I'm buying $11,000 loan; one lease that ends In July but I'm over miles to tune of $1800. 4. I make a good salary over $85,000. 5. I have about $6,000 medical bills. 6. Single and get no child support (17/25 he old sons live with me) cuz I'm technically married but living apart for years cuz I can't afford a divorce either!
Problems: - my current bills exceed my income; as I also have two loans from 401k so my take home is like $2100 after insurance and taxes. - my house loan is thru a credit union and they are not federally backed so even if I go bankrupt the credit union would fight back and win (so says bankruptcy attorney)that house not be included in my bankruptcy. -I need a new roof and my neighborhood is getting more violent and crime ridden every day.
I have house note $960, two car notes $370 each, plus credit card and medical bills. I rarely eat out, grocery shop at Aldis and my one extravagence is cable at $130.
Anyone have any suggestions on how I can improve my situation. I'm interviewing for low paying second job, hopefully I get it.
Submitted March 01, 2017 at 11:07AM by Annabell841 http://ift.tt/2lcLZT2
