[timetosave]

Originally Posted by TinyFish

Not to re-hash the past, but what about going after those folks who ripped you off for the computer? You say the business that took the computers was 'legit'. I assume you mean by that that it exists. Can ebays fraud team help you any? Or the police maybe? I'm sure others on this forum or elsewhere might be able to help you with that. Yes, it is crummy that people ripped you off and helped get you into this mess, but maybe you can get some of it back. I'm shocked the bank didn't tell you the checks hadn't cleared, if you have that in writing, I'd bring that up with the bank managers.

The checks were counterfeit drawn against a business that really exist...because they were counterfiet I can not go after the company and the person who used it is nowhere to be found. Local law enforcement informed me that they do not have the resources to go after people they will never find and there are no laws that protect me locally. I did the FBI internet fraud report...got me NOWHERE...waste of time...no recourse period...sad but true. As far as the teller stating I would know by now if the checks were not clear...I brought that up to the bank manager who informed me his tellers would never tell me that...btw...with both accounts I lost relationships with the banks that I have been with for over 10 years, that hurt in many ways.
I'm a little unclear from your statements what your exact situation is. I get the impression that the sheer NUMBER of bills is getting you in a bit of panic, which is why it is sometimes unclear what you are saying and why you want to consolidate so badly?

Do you have enough money coming in to cover all of your debt payments at least? That's the first issue.

I live paycheck to paycheck and really can figure out why

After that, if you only spent the absolute minimum on your debts and the absolute minimum you can on your daily expenses (no eating out, finding cheap ways to get kid clothes etc...), do you have any money left? If so, that should be applied to your debt. First pay off the outstanding stuff, get that current. Then you can pay off either the debt with the highest rate or the smallest debt, depending on your philosophy. Does that help any?

This is what I have to put in motion...I will sit down at work Monday and fiugre it out...so I will focus on getting that car payment up to date and forget the credit report until I do...hopefully Sallie Mae will let me defer payments for a while

What about your husband? I know you say you are trying to not have him involved, but if he's able to carry a house and car payment on disability, he's probably pretty financially savvy, can he advise you? Not clear why all your expenses and worries are so seperate from his. If he's one of the four who is eating, maybe he should help figure out how to reduce the food budget, etc. Maybe I'm misunderstanding the situation.

My husband will not help. Nor should he have to. He pays all the household expenses which mounts up...financially savvy...not really he got a settlement for one hundred thousand dollars and blew threw it in 3 months...I begged him to invest in a rental property or something...would not listen...but does pay his bills on time...never seems to have anything left either. Our expenses have always been seperate...we have never had that type of relationship.-TinyFish

Thank you for your help...quite a bit here definately will work. I am almost getting excited about getting out of debt.

timetosave