I do like this idea. My credit is already shot.

She’s at 55/hr. She doesn’t have to pay for benefits. I cover that in my paycheck. Only tax withholding, etc.

After this week, we should see her first full 2 week check so it should be easier to navigate.

I originally had about 100k in equity but once I foresaw issues, did a equity refinance and removed my wife from the mortgage. At that time, with whatever I had in debt, it was affordable. Things just piled after unforeseen expenses.

So I guess don’t go with some debt consolidation company. I saw their fees 15-25% of whatever is paid off after the program is over. Ends up being almost the same amount… I got quoted for $1600/mo for 48 mo then fees at the end.

It is more than enough to pay off all credit cards

Texas.