Hello, I’ve been lurking for the past couple of weeks.
My husband has credit debt (in his name only). Recently, he tells me that it has been becoming ever more unmanageable due to the fact that his minimums were doubled. (They’re telephoning now….)
Anyhow, awhile back, I called a bunch of numbers trying to find out about debt consolidation companies, how they work, et cetera. I came across the name “Money Management International” in a Consumer’s Handbook put out by a U.S. Government office so I figure they are probably reputable.
What I wonder is, have any of you ever worked with this company? He has called them but has yet to sit down with them or do a telephone interview/conference. It seems to me like he is avoiding the whole matter. He leaves really early for work so I am the one getting all these telephone calls at home and, I don’t know, they sound so polite but kind of nasty underneath, you know. I’ve stopped answering the telephone, screen all the calls.
It sort of irritates me, a little, since the last time a similar (but different) issue arose (our neighbors / management agent for the co- op we rented in) basically harrassed us/hounded us out of our apartment after we disclosed that our older son is autistic (6 and non-verbal). Banging on the door, leaning on the doorbell, threatening to sue us, glaring at us in the common areas of the building….and always when my husband was at work….and his attitude was, well, deal with it (didn’t understand how completely physically and psychologically ill the whole matter made me – I couldn’t eat, couldn’t sleep, got very depressed and anxious).
So, I guess I feel like (again) I’m on the receiving end of the harrassment but I haven’t done a blessed thing to deserve it. I’ve been asking my husband (for seven years) to sit down with me and write out a budget, to live within our means, to plan for the future (because, to be really frank, it depresses me to think that our futures….mine and his and our boys….are truncated on account of this debt problem…..especially after I paid off 40K worth of the debt 1 year after we were married….and still, he resists my input (but would be quite happy if I would bail him out again…..his last idea was for me to put down money on a house so that he could borrow against it…).
Also….can anyone recommend a good book to help guide my husband to get back on track financially? Something simple and reasonably inexpensive, not a bunch of tapes or CDs or something we have to join.
Sorry this got so long…..