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Nebraska hi -- and how are you tonight.
So I'm okay.
How can -- help.
-- We're got it back in the -- credit card cycle.
We make chairman of payments that we have nothing -- and so we.
Charge card that's not -- street didn't.
-- -- set it back under our credit card then.
And we're -- it I'd I don't know how to get out I mean we went to -- -- credit counseling they have a great budget and then they're like if you wanna get added that we need that much money every month and we're like more than our minimum payment could.
Eric you needed check out -- the end and we did we book -- lawyer we sat down.
We talk to them and he'd like -- -- need to file bankruptcy.
And you ask a bankruptcy attorney if you should -- filed bankruptcy.
No good at it like yeah yeah I'm really hungry.
We went to a new winds we think other ML we went contaminated at least that now we -- and he looked -- I mean -- answer I send them.
And I don't know we can do it I don't know if I basically can make it through that I -- like you said.
I only look at all I'll cook you the right and I can't afford that so -- I was -- only in your home.
We bring and after taxes -- -- looking health insurance -- 1520.
And -- -- not -- hit and how much Fisher house payment.
Dollars and can hold your car payment.
We don't have -- -- that hey what are they worth.
You'll be cars or be it for granted our little track public works for grant you any good for you know -- And how much you have -- credit card debt.
It probably fluctuate between at 851000.
-- well I don't know if you make it or not but let's try something for a couple months and see what happens.
You can occur in first thing is you don't need to be investing in your 401K when about filed bankruptcy so let's stop the 401K.
But I don't mean that you set after 401K on 3500 -- -- -- knowing what I know investing right now and we're gonna invest in Megan and her husband.
-- OK and then we're going to re prioritize your budget you've got it backwards.
You're paying them and then worrying about your family -- about your family first.
-- hey mom because in a bankruptcy guess what the credit card companies yet the zero.
I -- so I'm OK with giving them zero.
And trying a new plan without filing bankruptcy.
And see if we can turn this thing.
Okay -- -- zero anyway right.
Eight for now for now.
Obviously they'll get something later or you'll be bankrupt one of the -- -- -- -- the 401K and we're gonna say the very first thing you spend money on each month as food.
The very next thing you spend money on -- you pay your light and water.
To keep the heat on the water going phone bill -- kind of stuff utilities this next thing you did you pay the rent.
You can do all three of those -- you'll still have money left.
And they were put some gas in the car.
You can do all four of the -- have some money left we might buy a little bit of basic cheap clothing.
If needed emergency only.
Food shelter clothing transportation and utilities sounds like necessities in fourth grade civics that -- For these jerks get a dime.
Okay now once we've got that covered then we're going to work -- and we're gonna start talking to the credit card companies and we're gonna work for deals.
The ones that will give us deals get some of the rest of the money the rest of them that are Smart ankles get nothing.
They get nothing until it changed their attitude.
-- they're gonna scream and foam at the mouth and -- on the floor and all -- kind of stuff right.
Gonna have seen -- notion that credit card collectors have seizures you're gonna experience some of them and you're gonna get the pleasure pushing the in the button on the phone.
The red one where they go away.
If you're going to be a jerky at talk to a -- found serve right.
You got it and just just and then engage get together voice -- and call waiting caller ID so you can manage these trick characters.
And just remember you're dealing with characters -- do of people that are.
That are the couldn't get a job doing anything else I've got one of the worst jobs America.
And they lie they cheat they steal their abusive and -- -- federal law so these basically are scum you're dealing with.
To -- be very careful on how you deal with them and not let them get into your spirit and into your marriage and in your head okay.
-- -- -- -- content them.
Well you hang up on him -- are gonna talk nice.
I'm just not gonna conversation with you if you're going to be abusive.
And then you know we're going to offer you this for this amount.
And we can do that and new ones that get way behind and you start offering them settlements.
And -- -- 013000 dollars -- scrape together a thousand bucks out of your other money.
And -- from a thousand dollars a settlement in full -- 34 months behind northern they'll take that.
And you can work through this 50000 dollars in credit card that you probably paid a little ones off by paying payments.
And some of the others you'll probably end up settling with which is a whole lot better than filing bankruptcy.
But you've got to get control your life first thing you got to wrap your husband and your -- she's got to wrap you in his arms and -- -- hang on to each other.
And you're not a good church synagogue you need to get in one you gonna have to have some faith as you go through this process.
And and you can fight through it it's probably going to take you two years.
And then you're gonna make it out.
And it's going to be a really really tough two years.
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