It will be okay

The worst part is over.  Telling him the truth. 

I'm sure there was great stress of holding all of that from him as the debt mounted and now that he knows, you can work together.

As far as debt consolidation companies, just be very very careful about which company you choose.  There are some out there who will take you for a ride.  You will make your payments and your debt goes nowhere.  They will just pocket the money and not pay the bills.

Then there are some out there that do not charge a fee at all.  They will help you set up a payment plan, help you with contacting your creditors to arrange payoffs, even negotiate with them to lower the amount you owe.  I'm sorry I can't give you names because I never really paid that much attention to those companies but I have heard of some through the local news in their consumer watch segments.

Will see if I can find the names of some reputible companies and post back.

Good luck to you.  I'm sure that telling him the truth was a huge weight off of your shoulders. 

• I posted back in late August about cc debt - sm - relieved MT
  • Don't borrow from the 401(K)!! - BeenThere
    • No we have to do it this way....he is using that -sm - relieved MT
  • It will be okay - pennywise
    • Thanks for the kind words and advice - sm - relieved MT
    • make sure they are legit... - Sue
    • Start here - pennywise
  • in the same boat... - Sue
    • what is CCCS - Emily Ayn
      • Consumer Credit Counseling Service - NM

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