I just wanted to take the time and thank everyone that has helped me here. It is very appreciated. I managed to get slightly more income from work and changed my tax status which will give me more per paycheck. I also stopped my 401 k for now. My wife is working more hours after I get off so we spend less time together but that extra income really helps. The ratio is really close now which is good compared to the major deficit I had. I tried to apply for a new card to transfer the highest interest over but apparently I was made a user of some of the cards so they are on my credit now. So I was declined because of the balances being too high. Which kills me that my wife with little to no income could go out and get 4 credit cards with $25000 credit. And yet I can't get one just to do a transfer. Everyone I talk to tells me that I couldn't get a refi which would be the best thing I could get. I'm not sure whether I should waste my time trying for that or not. Hopefully I won't have to let the credit card payments go until I can negoiate. The hassel with phone calls and the bad credit for my future worries me a bit. I'm going to try to make that my last resort. I feel that I will have to come up with a way to lower my payments and interest in order for me to ever have enough extra money to pay off any of this debt. In the mean time I hope I don't need extra cash for a breakdown, repairs, or anything like that cause I'm done then.
|