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Chase Hyatt BT checks US Bank statement 

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To start with, I’m overseas and married in China. The past 2 years have seen our credit card usage sky rocket, initially it was paid off at the end of the month, but this year with several family tragedies having struck, it’s gotten quite high. In terms of debt, I have the following. American Credit Card debt: 15000$ Two European Mortgages : 14000€ Tax debt in the States: about 1300$ Monthly expenses Rent. : 315$ Food. : 300$ Utilities w/phone. : 150$ Transport. : 100$ Mortgages. : 660$ Credit Cards. : 400$ Tax to IRS : 285$ Incidentals. : 100$ Total expenses about 2350$ Total income. about 3500$ for me Wife’s income is entirely savings, but maybe around 800 a month. This is going towards a surgery fund for my wife’s mother. I own several smallish properties in the states, we own an apartment in my wife’s hometown also. I’d like to see about consolidating the credit card debt into one bill, and or see about getting a large enough loan to pay off everything I owe. We were saving quite a bit until this year started, and then family tragedy after tragedy sort of killed things in that manner. I’m just not sure how to go about seeing if I I could even get a loan from the US, but overseas. Just looking for guidance. We’re not in the hole, but not in the green yet either.

I ended up spending about $700 with Discovery via PayPal last month (for which Discovery paid me $11, using math that only works on their planet).   In the morning I'm going to attempt to send the balance of the $1,500 spending cap that remains to TAD using Discovery/PayPal and then sit back and wait for the next inevitable Discovery disappointment.   Has anyone successfully gotten 5% back this way, this quarter?