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Tennis as well as canvases and magnolia Texas I can't look Howard you tonight.
Hi Dave I'm get Harry you know -- than I deserve how can I help.
And pulled me in my head than an hour and I make funny the first one that only been married about four years and it cut streak is their -- -- and wine and lose.
And with that you know we we -- have a -- this is we were married they didn't have and they really and our financial.
Situation and assure you that.
The -- ago -- they -- -- -- but you didn't get Luka and yet we didn't.
With that we ended up.
I was -- working very much and leave their credit card more than we should have.
And how they got caught up and all that got behind -- that -- -- has.
And them right now I'm in the process of doing a -- a lot of it -- and with our -- out of foreclosure.
And and also in the meantime my head and has found a debt management and a little credit card -- it and we've made a payment and they expect -- -- and ethic her company as.
And favorite -- the payment and then and I -- You know as far as that doesn't feel like that but that's where we are.
And so my question is once he -- a -- -- that I've literally is that -- handled it should be.
It's at least stay with the debt management plan how much is the house payment.
Well the house payment picnic go we've got -- -- is now.
Owns the title will be 18140.
Dollars a month.
Wow and that is -- when it's modified we'll still be that that's what the modest title being okay and what is your take home pay a month in your household.
As well now that I'm working full time at around five out and let them.
-- and but you got daycare coming that your career.
Well yeah we were we're lucky enough that -- that cares.
Brad 30 great that they have been may have given that a I'll accept that -- so they are actually in Italy eat at -- That's very good yeah and my grandma helped that my little and and how much is your car payments.
Or eighty on each Warner won that -- intent.
And so you'll point thousand dollars on my car.
And I 9000 of them -- paid -- and they.
Well that's a ridiculous car payment in your world.
Yeah the house payment is doable at 18100 with 5000 -- your take home -- I think you can make that work how much credit card debt have you got.
As -- eight and and what do they what is the debt management people that you're doing monthly.
-- -- -- -- -- -- -- -- that we very -- your house.
Yes I mean we start like 181048680.
That's a lot before -- even eaten.
And paid lights and kept kids going right at 350 for daycare there's not much room in this budget you're not gonna see -- inside of a restaurant for awhile.
And now this debt management is not some company that's doing settlements.
This of the company is paying payments right.
Why is that here one and I -- Because well I gotta tell you -- the the customer satisfaction with those is about -- 7% dissatisfied.
Because they pretty much -- screw ups all of them.
With the exception customer our consumer credit and -- -- -- cases they are too.
So you've got to got to stay on top of every detail when you send a check to this company.
Then you've got to make sure would each of your other companies that the check is received each month.
If you're not willing to do that then go do your own deal with -- each of your company's.
-- -- because let me tell -- they screw it up administratively.
They take your money they don't get it over there the deals fall apart.
And you call we have gone well I get into debt management and then they'd take care of -- -- your job to take care.
I and so you guys have to ride herd on this thing you've got to stay right on top of every detail while this thing goes on through.
And I think I'm probably -- in this car.
I mean I know it's about to be paid off but my gosh a 500 dollar car payment in your world -- a lot.
My guess is that car all the worth more than nine and it.
Now it's not.
Isn't that only -- As if unlike you -- it hit five.
Now that -- problem drive in this car you're probably stuck in it.
So on but I'll tell you -- that's a horrible car payment and your husband probably look at correct for work Phyllis Carter paid off.
If you need to bring in around the 5600 bucks a month just keep the car going and the daycare going -- those things.
It's tight but I think you can do it here I think it's doable.
But you've got to stay right with every detail on your written budget every month before the month begins.
The two of you working to gather all the paper -- purpose you do not have room for any errors.
You've got to stay right where that I think you could make it if he'll do that.
And the house is not really your problem as the -- -- credit cards and not living on less -- you made and now you can clean that up.
You can get out of this it will take a little while.
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