My husband lost his job at Ford in October 2007 and I am a stay @home Mom who babysit's.
We are trying to keep up with our House & Car payment only.
We ARE NOT BEHIND any any bill's YET,But will come Dec 1st 2007
We have about $ 17,000 in credit & personal loan debt we have been using credit card's to live off of since unemployment is only $635. every 2 week's,our house payment is $938. alone!
We have 2 kid's and NEED to provide food,clothing, etc.
My question is can we file to get rid of ALL the credit card & loan debt and STILL keep our Home & Car?
My husband thinks we should just put ALL OF the debt in a program like Incharge so we don't get a bad mark on credit.
Well I figure as soon as we can not make our next payment we WILL GET A BAD MARK, So what would be better?
ANY ADVICE IS GREATLY WELCOMED!!!!
Thanks
Nancy from Michigan

