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So I'm calling because we had filed bankruptcy back in 2019.

Things happened.

We thought we were ready to buy a house.

And now we are back in debt again for a sum of about $118,000, not including my mortgage.

So I know that there's an issue.

I admit that I don't know where to go from here because there's a lot of things that I've done that my husband is not aware of.

And I just want to get out of this cycle because I'm done. Wow that's got to be kind of

scary. It's very scary. Yeah. So what is it you've done? Your husband doesn't know about. I've opened my credit

cards. I have a total of like 18 credit cards. I have a total. What are you doing with them?

If I can be completely honest and vulnerable, when we bought this house, I felt that I needed new things.

We are the poster child of trying to impress people and wanting to have nice things and do nice things and we put on this front

like we have all of this money and would it be okay to say that that's you not we

yeah that's a you um it's I will say it's both of us he just doesn't know he thinks

because I make a lot of money that we just have it. So he's not

involved in the finances? At all. Not. He doesn't even have access. So the reason he doesn't know

about it is just because of his lack of involvement, not because you've actively deceived him.

Fair. Yes. That's exactly it. Okay. What do you make? I make $125,000 a year by myself. What does he make? He makes $35,000 a year, and I make an additional $15,000 with my side hustle. Okay. And what's your home worth?

My home is worth about $225,000.

And what's all this debt on credit cards?

I have.

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