Family of three. We had sold our new home in 2005 and paid off much of our debt. Once this happened and movined in with my parents, we were able to buy another home in PA where the prices were cheaper. Budgeting was good and bills were coming down. Then, all the cards and some loans we had left doubld and interest rates went up! We are now deep in debt. We have a newborn who is 2 months old. I am trying not to sell this house and uproot again. I make good money and so does my wife. Just, not enough. We have added no new expenses. Just caught in the saem problems as most I guess. I am not looking for a handout. Just some help to pay off our debt, then once the credit scores go up (due to debt to income) refi the house and pay back. we have never been 30 days and on a bill. But sooner or later, borrowing from one to pay the other is going to catch up. I have reached into my retirement and that is depleated as well. I do not want my child to grow up this way. This was never the plan.
