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Relationship Discussion (non-explicit)
Reply to "I hate myself"
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[quote=Anonymous]OP here. Thank you all. A little more background, this is very old debt that has just grown over the years because of high interest rates. Some of it is from before we were married when I stupidly paid a large IRS bill with credit. Young and very dumb. Over the past year as he's been out of work, I have used the cards occasionally for things that I didn't want to pay cash for, but it's been minimal usage. The debt was never an issue before because the last time we needed to apply for credit was 7 years ago when we refinanced; his income and credit were higher than mine, so mine didn't get looked at too closely. Plus it was much lower debt since that was 7 years ago. Basically I've been paying the minimum on these cards for a decade, and using them from time to time, so never paying them down, and this is the result.[/quote]
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