(Untitled)

[cloaking_device]

It's funny; I'm usually the person my friends and co-workers turn to when they have a problem, yet I seldom if ever ever share my problems with them. It's really because I don't want to burden my friends with my problems--that is, I don't want to be a burden to them. I think it's because I always felt like I was a burden to my family, and didn't

Comments

[goddessgoddess]

Debt counseling can do a debt reorganization.
Ours ended in declaring chapter 13 bankruptcy, which gave us 5 years to pay off our arrears mortgage and debt. It eliminated our car payment though, so that helped a lot.

There will be places to cut your budget and you will be surprised to learn them, but you can file a hardship form with Sallie Mae which can give you a year of breathing space before they start garnishing wages again. It's wort looking into, anyway.

Rater than taking these kinds of steps, my husband had a nervous breakdown from which he still hasn't recovered, driving us further into poverty. Keep swimming, there is air up here.

[lcw1795]

First of all, big snurvles to you- I know how hard it can be to open up and let other people see the cracks, see that you are less than perfect. It's so easy to keep the brave face on.

Second, I think debt counseling and consolidation/reorganization is a great idea. My situation was a bit different- we had the money, it just wasn't going to pay bills- but it does show a willingness to pay and work with your creditors. It's not a bad idea to keep an open mind to the possibility of bankruptcy, it might be the only way to get out from under the medical bills.

Third, I am sure your friend understands if the trip needs to be cancelled or postponed. Life happens, and your job and marriage take precedence over a weekend getaway.

Fourth, more snurvles for the both of you. You can get through this, and you will be all the stronger for it.