My sister, and her husband, have gotten themselves into a bit of a debt problem. Long story short, they do have a mortgage, 1 car payment, normal bills; BUT he has occured around $22,000 in credit debt without her knowledge. She found out by trying to refinance the house, to get rid of the PMI.
Of course the house is in an uproar. He is a very nice man and always treats my sister and their daughter well. My personal view is the he has a very large hole/pain in his heart that he is trying to fill (in his case with "stuff"). I've talked to my sister and I plan on talking to him too (once they talk and the dust settles a little). Both her and I agree that not only do they need to address the bills in an agressive maner, but that couseling for their marriage and individual counceling for him reguarding both the symptom (out of control spending, general unhappyness) and the cause (pain from father and fear/shame of what he has done).
I have started by sending her a link to http://www.daveramsey.com/ . I've listened to the guy a few times, and he's straight up and doesn't pull the punches.
Anywho, I guess what I am asking is if anyone has any ideas, links, phone numbers, and referances that they could suggest FROM PERSONAL EXPERIANCE I would greatly appreciate it. They know this is not gonna be a quick fix and they want to do the right thing, not the easy "way out" (consolidation loans, interest only loans, bankruptcy). Also any counciler suggestions would be welcome.
They live in the Phoenix Arizona area.
Thx
Of course the house is in an uproar. He is a very nice man and always treats my sister and their daughter well. My personal view is the he has a very large hole/pain in his heart that he is trying to fill (in his case with "stuff"). I've talked to my sister and I plan on talking to him too (once they talk and the dust settles a little). Both her and I agree that not only do they need to address the bills in an agressive maner, but that couseling for their marriage and individual counceling for him reguarding both the symptom (out of control spending, general unhappyness) and the cause (pain from father and fear/shame of what he has done).
I have started by sending her a link to http://www.daveramsey.com/ . I've listened to the guy a few times, and he's straight up and doesn't pull the punches.
Anywho, I guess what I am asking is if anyone has any ideas, links, phone numbers, and referances that they could suggest FROM PERSONAL EXPERIANCE I would greatly appreciate it. They know this is not gonna be a quick fix and they want to do the right thing, not the easy "way out" (consolidation loans, interest only loans, bankruptcy). Also any counciler suggestions would be welcome.
They live in the Phoenix Arizona area.
Thx
