At Breaking Point...Which Path?
Have mortgage, home equity line, and just 2 maxed credit cards...now what? Don't want house refinanced for two credit cards, but so close to limit, fees and charges are killing me. I had a 3-week layoff...and was penny for penny. Previously, had very good credit..no lates..I posted before to gain second job...no luck yet. I hate my primary job....grueling and stressful.
I need to get these credit cards outta the way...what would you do? Next year, can tap into 401K..was locked in for 5 years. I don't want closing costs...associated with refi. That installment loan is only 2 years out.
Need some breathing room quickly. Personal loan would be high interest...trying to get away from.
Got one house payment deferred til Sept....any advice would be appreciated.