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I'm calling to see what your advice is beyond selling our home family home. We've got four kids in order to pay off a large amount of debt.

Okay. And so how much is a large amount of debt?

So we owe $145 to the IRS $145,000 and then we have $100,000 on a home equity line of credit,

and then about almost $50,000 on medical expenses and car payment.

And what's your home worth?

Our mortgage is for 470, and we have an offer currently that we just got for $7.55.

So it would allow us basically to clear the decks and we start, but our hesitation

is with our kids.

Where did all this debt come from?

So my husband was the primary bedwinner. I was home with our kids and he got into day trading.

And I am guilty of bearing my husband's hand and not getting involved in our finances.

So he made quite a bit, lost it just as quick and then turned to credit cards and then

didn't pay taxes on the capital gains he made with the trading before losing it all.

There's not capital gains on day trading, there's ordinary income on day trading.

And there's also a loss you can take if you've lost money against that.

Okay. Do you really think you have the whole story?

So I...

You know those free samples at the store that are up for grabs for anyone?

Well, that's basically what's happening with your personal information online.

Data broker sites collect stuff like your address, phone number, email, even your family's

information and just post it online for anyone to grab.

...