Here's the situation. My wife and I have great jobs and for our area we make great money. Household income of roughly 140k. You might think, how could you have financial problems with that income unless you're just crazy irresponsible. Twins were born in June and one born with NEC, the worst type of NEC at that. 40%mortality rate. He made it through and we're so grateful. Prior to this we could have bought anything we wanted, but we're frugal bought a garden home and had one car payment. No other debt. Now we can't finance a biscuit. We had a 130k put on my amex after the surgeries and because I had a change in insurance so it killed me. I had to lay that off on zero% balance transfer cards and get a HELOC. All the stress has taken a toll on our marriage and what marriage wouldn't struggle with 7600 a month in bills. My question. I can't file bankruptcy because I'll lose my license. Does anyone know of any hardship consolidation loans or fresh start programs where we could pay the investor like 7 %for 7 years or whatever and get out of this awful situation. If I could lower our monthly obligations I could get us out of debt. But this interest is making it impossible. We're getting further in the hole. I've done the Ramsey thing for almost 2.5 years and gotten hardly no where. I'm not eating most days so my family can but that's not even enough. Can't get government help or qualify for debt relief because our income is too high and we seem to fall in that category where people don't care to listen to our situation after they see our income. They don't understand that 140k is in a crap tac bracket that cuts just enough so that we're 400 shy of our 7600 bills every month. Any advice would be appreciated.
Submitted May 13, 2019 at 10:44PM by mortgagegooru http://bit.ly/2Jkb9L4
