This is probably the worst case you all have seen

Ok, I am not an advocate of this, but if you seem to have exhaused all your means, you may want to talk to a bankruptcy attorney and see if you can file. Yes, that will cost some money but sometimes you can find an attorney that will work with you. I only suggest this because it sounds like you have about reached the end, but something to think about and doesn't hurt to call and talk to someone.

I don't know how much energy you have left after taking care of a child and working all day, but maybe your husband could look into getting a second job part time to help with expenses.

I agree....my husband works 2 jobs and I work one full time and run the kids everywhere and take care of the house for the most part. Actually, she never mentioned whether her husband is working right now or not, but if he isn't, he should go out and find him a job, which would help.

If getting a second job is an option, I'd recommend trying to get a job at a restuarant or delivering pizzas . . . . Something that gives you tips . . . . That gives you instant cash flow and you don't have to have any specific education for them. You can make some pretty good money waiting tables a couple nights a week . . . .

Boy, does this bring back memories for me.

Do yourself a favor. Have hubby go out and get a second job, and stop supporting his efforts to make a quick buck with foreclosures. It's a lucrative business, but you need to know what you're doing in order to keep from losing your shirt.

If you want to support your husband and his dreams, sit down and talk with him about a more realistic dream - getting out of debt without filing bankruptcy. Be straight up with him about your financial situation, no matter how much it hurts, and have the documentation to back it up - namely, your credit report (and his).

I agree with everything Sue and goudah said. You need to have a heart to heart talk about how to really achieve you and your husband's dreams. I have a hard time doing this with my husband as well. He thinks that money grows on trees. You have gotten good advice and I wish you the best of luck. We are always here if you need to vent or need support/advice.