Gosh, how do I sum up my life or even how I got to this point in a few paragraphs? I swear I feel like I have lived so many lives …but I am not old. I just turned the big 31 this year. To my daughters though…I am old. 
I will brief it up because I could write for days and still not get to the point. I created this blog because when I was going through a rough time earlier this year, I ran across a blog that I could relate to. In fact as I searched blogs I found another and just decided that I gotta do it. Maybe someone will read this. And if nothing else, when I dig up from under this mess I am in, I can look back and think WOW, I DID IT!
I will try to keep this blog on the path of me dealing with my debt. If any issues or struggles come up along the way, I will include them. I think everyone has gotta deal with struggles to get where they want to be. I know I have a long road ahead of me. I also realize that it took a lot to get where I am now and I think giving you an insight of my past, you will understand me a little better. Until I figure out how to do it…here is what I got.
As I sit here and write this I am still floored at the fact that my husband and I owe 90K in credit card debt alone. I also have 2 cars. 1 leased and 1 financed. They total about 38k. In October, we were facing foreclosure and we tried to keep our home. Cash advances off my credit card helped keep us in it for a few months more. We were not losing our house because of an adjustable rate mortgage-we were victims of rising costs of living in South Florida. We closed on a short sale October 1st and do not regret it one bit. Now it is time to get out of this debt mess.
Considering we owe so much, the 1st thought was bankruptcy. For some reason I did not feel comfortable with it. The “check here if you have ever filed for bankruptcy” box on every application I have ever filled out has stuck in my mind. My job for now would be OK with it. My husband has always been into careers in law enforcement and just us having so much debt crushed his opportunity for his dream job. We have decided instead of pulling both our credit scores down the toilet together, I will try to settle some of my debt on my own while he continues to pay his minimums. See, I just learned about debt settlement and have found it would be the best choice for me. Really though, I am not sure how it will turn out. At this point, what do I have to lose?
This blog will follow me from day 1 until the end. This should be interesting.
***update 3/09-Well, life sure did throw us some curve balls but we got through them. As most people know, the economy has really affected many of us, and unfortunately with my husbands loss of income-we were not able to do debt settlement. We filed for Bankruptcy last month with a total of just over $154k in debt… no longer 90K (thanks to the outragous late charges, fees and a repo) and are awaiting our court date. Debt settlement is awesome but if you can’t do it, take a real good look at your options. There are many. Read my journey-see my mistakes, my struggles and hopefully learn from them. Obviously I am no expert but I am happy to share what I have learned in this blog. Thanks for reading.***
