Apparently she got these cards just for their deals and points. And then when she saw that the interests were consuming the money and couldnt pay the bills she started to pay with credit cards only causing a deeper debt. Then we got a rather big tax return which has delayed it till now. The mortgage loan is a consolidation as well because she had previous debt that we rolled in with the house. Thats y that payment is so big. Its not that I have a big house. Thanks for the replies everyone. Im doing my best to try to raise income. I'll call on the cards and try to c what could be available with my bank.
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