Reply to Owe 127k; make 190k

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[quote=Anonymous][quote=Anonymous]OP, what you need to do ASAP is figure out your monthly expenses.  You haven't listed them here, which I sort of understand as a privacy move, but I'm also wondering if you've ever really sat down and figured out where your money is going.  It's not that hard, but it's absolutely vital if you're going to get a handle on your finances.  Then you can figure out which of those expenses you can reduce or cut out.

Those of us trying to give advice have very little info with which to give that advice.  Here's what we know:

Income: ~$15,800 gross.  That's maybe, what, $9,000 to $10,000 take-home?
Mortgage: $4,800 
Tuition: ???.  $3800 owed 
IRS: ???.  $29k owed
VA: ???.  $5k owed
Cars: ???.  $12,500 owed on one, another "in repo"; OP hasn't said how much it would cost to get that back, or if it can be abandoned
Other: ???.  About $76,700 total, based on $127k debt minus what's listed above.  Includes credit card debt, medical bills, and unpaid tolls.

All those add up, and OP may be spending so much making the payments on most of that debt to be able to reduce the debt.  But we don't know without the monthly numbers.  That's okay, we don't need to know (unless OP wants useful advice from us).  But OP absolutely does need to know, and I'm not sure she does.  [/quote]

My take home is only 7800-op
2nd car has been charged off and is out for repossession.[/quote]

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