You're working, and you've got a family that depends on you - both now and down the road. Where do you invest your money? Do you borrow against the equity in your house? Through a preferred provider relationship with USAA, The American Legion can provide expert financial advice to just about any question.
We think your first step should be to talk with a counselor affiliated with The National Foundation for Credit Counseling. You can give them a call at (800) 388-2227 or visit their website at www.nfcc.org. They should be able to help you develop a game plan to meet your financial obligations and get to a better financial place. Sure, there might be some seemingly easier paths that you could take, such as bankruptcy or debt settlement, but the advisors at NFCC should be able to help you fix your immediate problem, develop a debt management plan, and budget as well as build habits that can carry you forward for a lifetime. Good luck.