PAPERBOYS

I am over my head in debt. I have called my Credit Unions, and they cant do anything for me. CCCs is not the way to go, to much debt. A BK Attorney said a 13 is no problem, just dont want to do that.. I dont want to even thik about BK. Most all Credit is in my name. Wife is not on many cards. Wife has all Fico's over 700, Mine are low 600's due to large debt load. All debts are current, never late. Can't rob peter, and wifes hours at work have been reduced due to the slowdown. This has put me in a tough situation. Your positive reply would be appreciated. I have been reading threads from here for years not ever expecting to need some help. I pay 1200 monthly for daycare, and it will be done in approx 2.5 yrs. If I have a Home Equity Loan with a Credit Union and Keep it current, but dont pay the sig loan, and credit cards that i have with them can they take the house? If I have a Boat Loan that is current with Credit union, and dont pay the creditcard, and sigloan with that Credit Union can they take the boat? What if for now to survive I pay only the debts that are in the wifes name, and we are joint on. What kinds of retribution will there be in just my name? Keep in mind that I am avoiding the BK Theory. Is it possible to wait out the Creditors in my name, and work out some kind of settlement down the road. I just need to know my options. Thanks for your help in advance.

Have been watching this site for the past few years, and have learned more than I would have ever expected. Now I am in need of some help here. Please keep in mind we live in Texas.... For the first time an 2 years or so I did our monthly buget. We are paying out more than what we Bring Home. I know shame on me. I have never been late on any of our accounts, and there are no negatives on the spouses or my credit reports as well. We have accumulated alot of Credit card debt. Robbing from Peter to pay Paul. Over the last few years this has really added up. If i call the credit card Companies and tell them i need some help, what in your experiences can I expect? I need a 1% Monthly pmt for the next (2) years on all cards then we can make it. I spoke to a BK Attorney last Thursday and he suggested Chapter 13. I would like to know the other options , and pay what I know we have borrowed. 780.00 Monthly for Child support will be done in 2 yrs, and 1200.00 in daycare will also be done around that timeframe as well.. What can/will Credit card Companies do to help you out? If I stop paying the cards can thay garnish Paychecks in Texas? Can they Sue you in Texas, and what does that do? Garnish, Lien on Home? Can they take your home, vehicles, boat? Thanks you in advance for your help.

JUST PULLED MY FICO'S FOR THE NEW YEAR. 730 FOR EQUIFAX BANKRUPTCY FELL OFF FROM 1997 ON EQUIFAX, AND SHOT UP 68 POINTS. LOOKING FOR THE BEST INSTANT, WITH LOW BAL TRANSFER RATE TO START OFF THE NEW YEAR. THAT WILL PULL EQUIFAX, BECAUSE I LIVE IN TX. THANKS IN ADVANCE FOR THE HELP.. BTW : THIS IS THE MOST AWSOME CREDIT SITE I HAVE EVER SEEN. I JUST WANTED TO THANK EVERYONE INVOLVED, THAT IS REALLY APPRECIATED. TO HAVE PEOPLE GIVING REAL INFO, AND PASSING IT ON TO OTHERS TO MAKE A LARGE GROUP OF PEOPLE SUCCESSFUL, AND THEIR ACCOMPLISHMENTS ARE APPLAUDED. GREAT SITE AND HOPE TO BE A DAILY CB'ER FOR MANY YEARS.