Jane is in Knoxville. Hi, Jane. How are you? I'm pretty good. How are you, Dave?

Better than I deserve. What's up? Oh, needs so much up. I need one of them swords to slay a huge

dragon. I may be your toughest case you've ever had. Anyway, my husband is around, he's fixing to be 65, I'm around 59, and we have

10 kids. I'm homeschooling, and my last one, she's 15. Anyway, long story short, I had to go to work.

He got really sick, and so he can't work like he used to. So I'm now working. I started working

this past year, and we are definitely need help.

We have quite a bit of debt, and I don't know where to start. So I have a car that we made a huge

mistake and got a new vehicle, and we owe about $54,000, maybe $53,000 on it, which is, I know,

crazy. But we didn't really have a good vehicle for me to go to work in, so we did something stupid.

So, long story short, how do we, that was my first question.

Do we sell that?

Yes.

I try to get out of this debt, but I finally realized that we're old enough.

We wish we had these things in plan, but I've been homeschooled mom all my life so this is all new to me yes what's the what's the what's the car worth um

probably 42 what's your household income together now we make almost about 85 maybe 80 to 85

yes you need to sell it okay so yes yes you shouldn't

have yes you shouldn't have who's got the loan uh Hyundai okay how bad's your credit it's good

I have good credit because well run over at the credit union or your local bank and get an unsecured loan for $15,000 by a $3,000 car and cover the $12,000 hole you're in and sell it.

Okay, could you say that again?

You've got to borrow the amount that you're in the hole.

Okay.

In order to sell it, plus $3,000 to get a car.

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