New here, and need some advice..

[InDebtMN]

Hello Everyone,
I live in in MN and my husband and I can't seem to get our head above water. We are about $15 thousand in debt. $4K of that being secured debt. We are very lost and confused on what to do. We are behind on about half of the CC's and current on the loan. But we are left living paycheck to paycheck.. never knowing how we're going to get through the week (have enough money for food.. gas etc.). Is anyone in a similar situation.. or have you been?? Do we file?? Any advice is wanted. TIA.

[CindyLou]

Hi and welcome to the forum....if you can provide add'l info regarding income, number of children, how much is your rent, what property if the 4k loan secured by. Also, do you own cars or any other property. The more info you can give the more opinions we can provide.

Cindy

[InDebtMN]

Hi
We make together about $2600 a month. We have 1 child and 1 on the way in May. The loan is secured by my Husbands car, and that is the only car we own. The other car we have a car loan for. Our rent is $800 a month.