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2016 went through the university program and in 2017, we became debt-free and was able to purchase our mobile home debt-free completely.

But since then, we have obtained three major personal loans and

13 credit cards which has put us into a whole of $46,000.

Um, yesterday we did talk to a loan officer that has, um, helped us, um, has, um, got us into it.

We didn't pay for it.

We haven't got it yet, but we were able to obtain a loan, um, of $29,000 that

will put us into a debt relief loan.

And, um, that's why I'm calling and money, get advice about it.

And, uh, granted, um, um, what concerns me is that we, every, every loan in every loan and

credit cards, we have had a hundred percent in our paying the bills on time.

I don't know how we've done it.

It has to be completely. Why. Why did you go into debt

after you were out of debt? Because we like paying off the credit cards to pay off the

credit cards to pay off the credit cards. I thought you said you were debt free 100% early.

We were. We were.

Then why did you even have a credit card?

Because of certain emergencies that came up.

You had an emergency fund?

We did, but then we had going to, we had medical bills and things like that.

It came up and we frankly went to the university but we didn't have what's your household income right now I make

um $16 a month I'm $1,500 a month and that's always with security and that500 a month, and that's only school security, and that's all our income.

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