These past 3 years (mainly the last one) have been very rough. My wife lost her job 3 years ago due to an injury and has not been able to find new work, nor will any doctor sign the papers for disability.
We have close to $34,000 in credit debt and really have no idea where to go. Her score is much better than mine (640 vs 450), since I have concentrated more on her than mine.
One of my accounts has gone to collections.