OK, I joined the group here to see what kind of help I can get.
I have told my story in a couple of other threads, so I will not go into great detail about it here.
We (my wife and I) have a decent/good credit score and good payment history, but our DTI is killing us. As well as payment due dates. Our finances are pretty much out of control and it is causing me great grief and many sleepless nights.
My house is maxed at 100% LTV so I cannot roll anything in to it.


