One of the biggest problems with any scheme to pay off credit cards by using more credit is most people do NOT change their spending habits. The average consumer will take out a home equity loan to pay off outstanding balances and then only 2 or 3 years later find themselves with a home equity loan and credit cards at their max again. That doesn't solve the problem; it makes it worse. Plus there is the potential to lose you home if you fail to make payments on the home equity loan. In my humble opinion, this is not the best solution to your problem unless you and your significant other make some changes in your spending habits. Switching from one low/no interest credit card can be very damaging to your credit score. One of the components of a credit score is how long your current accounts have been open. Longer is better. New credit cards every 6 months will lower your score which means you pay higher rates or cannot qualify for those "teaser" rates. Also, be aware that the teaser rates will escalate very rapidly if you are ever late with a payment. The solution that I suggest to the personal financial management classses I teach is to stop using credit cards for any daily expenses. Save them for emergencies (a death in the family, an earthquake destroys your house, a hurricane is coming and you have to evacuate). Concentrate on paying off one card by paying extra on that card every month but continue to make the minimum payments on every card you have. When that card is paid off, apply that payment to the next card until it is paid off. If you have trouble avoiding temptation with credit cards, put them in a ziplock bag and seal it. Put that bag in another bag and fill it with water. Put both bags in the freezer and leave it there. Anytime you need a card it is available, but you have to wait to thaw it out to use it which means you have time to think about whether or not you really, really NEED what you plan to purchase with credit. While it sounds "dorky" and simplistic, it does work. Good luck

If you wanted to refi the entire amount, (325+42), that puts you at about 81% LTV. But, that's based on the assessment, not one an appraiser would give you. And, that doesn't include closing costs. So, while that's probably a good estimate, I'd find out what homes in your neighborhood are selling for. Foreclosures have killed so many refi's no matter what credit rating people have. It's sad but true. And, if you do have to end up with a full refi, you don't want to get stuck needing a few thousand dollars. I do think your best bet is to get the modification done first and hope you don't have to do the full refi. Once that's resolved, then you can get rid of those credit cards :) Good luck!

My brother and I moved swiftly and surely to isolate our mother's assets when it became clear her failing health would preclude her independent life style. That was 2 1/2 years ago. She has a revocable trust now. Assets are protected, we have powers of attorney, and the chaos that follows any death will be minimized. She has "gifted" every year since her health "crashed and burned". Her home has been emptied of its contents and her assets have been directed to its maintenance. I can only tell you, that having an elderly, frail, mentally failing parent in your home and in your care is no day at the beach. To be perfectly honest, I hate the encroachment on my personal freedom. But she is my mother, she needs my help, and who better than I to see she is well cared for, indulged, given mental stimulation on a daily basis? "Baby boomers" need to pay attention to this issue... , laws governing "look back" and estate planning change every month/year; you need to pay attention to politics! "Look back" for Mum had we tried to put our names on the deed to her home in 2003 was 3 years. With the trust it was reduced to 7 mos.. Get thee to a lawyer specializing in ELDER LAW and estate planning, ASAP. Loop holes on inheritance and the transfer of potentially valuable real estate are being closed routinely, even as we're being told that we should reduce our expectation of social security and Medicare. Smarten up! move now and isolate the assets. You'll be glad you did.

--"How is it up to her? Is your dad in agreement with you not being there? If you really want to go, how is she going to stop you? Can't you stay in a hotel and go visit him? It doesn't make sense to me. And how long have they been together?"-- Well, this is the quandary Im currently in, trying to figure out what I should do, and if, in fact, I SHOULD just go up there regardless. I have gathered, from my dad being the one to tell me not to come for X-mas, even after my offer to sleep *wherever*, that he simply does not want me there. Or, to be more precise, SHE does not want me there, HE is ambivalent and for whatever reason he was chosen to be the mouthpiece (most likely chosen by HER, to hurt ME even more... To be quite honest, I am NOT 100% sure where HER wishes regarding this X-mas non-visit leave off and where HIS begin. Sadly, I do not think that HE even knows. (All this confusion is why I only maintain Âhalf anger at HIM in all this.) There is the other matter of me ---IÂll just put it bluntly--- just plain not having the money, especially with the airfares as they currently stand, to book a X-mas flight there now. IÂm a struggling student, and admittedly something of a "late bloomer" success-wise... However, money is not an issue for them, as I guess youÂve deduced. Or it shouldnÂt be, however I suspect that all the home improvements and mortgage payments for her may have cut into that. He has always paid for my plane tickets to visit him, yes, even though I am now over 30 and IÂm sure IÂll hear something from someone about how I shouldnÂt "expect that". But before anyone jumps on me for that, let me say that I basically AGREE and in other, more "normal" circumstances (i.e. him NOT currently DYING) I would agree that now that I have reached a certain age and am about to finish my education (after working full-time to pay for it all myself over several years) and thus be on my way to a better financial position, that it should ordinarily be my place to start paying for my own tickets. But I simply do not have it now, after giving up close to $5,000 with everything I had to pay for and take care of to make my summer stay with him possible. For him and/or her to suddenly cry poor (which I still think is not the case) or to expect me to shell out cash I donÂt have AT THIS TIME when the clock on his life is ticking fast, is just unfathomable. Unfathomably cruel on her part b/c she is not sick or drugged and should have a clearer head and a kinder heart... and unfathomable, for his part, that he is now living in some bizarro world where he does not feel itÂs "worth it" to pay for what could be one of the last visits with his only child. But I know that money isnÂt the real reason, because that wasnÂt his excuse. What he actually said was: "With [new-sister-in-law] and [new-brother-in-law] coming, there isnÂt any room for you." I should add that new-sister-in-law has been living there in their house for a few months (since around the time of the wedding, which I found out about on my voice-mail, after the fact, btw) and brother-in-law has apparently already made several trips between my dadÂs house and his home several states away. (I have NO IDEA what they are doing, or why THEY can't stay in a hotel, or who is looking after their own house, pets, etc.) I canÂt even get a call through to my dad 80% of the time. "SM" has tried to tell me several times that if I want to talk to him, I should call HER phone, not his (making her official gatekeeper of the flow of communications to him)... something I admit I have stubbornly refused to do for the most part but which I WILL do and have done in emergency situations. When he talks to me and she or her sister is present (which, b/n the 2 of them, is almost all the time, in shifts) he is curt and winds up saying these hurtful things like "thereÂs no room for you". I think here-and-there he has moments alone when "SM" is at work and sis-in-law is napping or showering or something. When these times coordinate with when he is awake and feeling up to it, I have received here and there the occasional earnest, loving call from him. But I know itÂs behind their backs b/c he apparently does not feel safe otherwise. He called me at 8:00 in the morning (VERY early for him) the day before Thanksgiving to wish me a lovely day (referred to the holiday as "tomorrow" so I know he wasnÂt confused what day it was) and I know this was because they were all going to be there on the holiday itself and he was not going to be "free" to call me. Sure enough, when I tried calling him on Thanksgiving, there was no answer all day, even though he had said they would all just be around the house. So, the jist is (and has been for several years): he confides in me privately and/or drops Âhints that all is not rosy. (Mind you I found out about her lack of household contributions, her massive credit card debt and the pressures from her and her family THROUGH HIM and not from pumping him for information at all... although I admit I have started to do that with him b/c I desperately want to know what is going on. Since "SM" has alienated him from his whole family and most of HIS friends, there are very few people near him that I feel I can even call to ask, and even with these few people I somehow feel awkward about doing it, afraid of coming across like IÂm "stirring s**t up" or slandering anyone.) To answer the 2nd question, theyÂve been together almost 18 years. I know, sounds like a good long time and is not the typical "2nd wife breezes in from nowhere to marry the dying man for his money". But regardless, she resents me, and it became worse every year that there wasnÂt a ring on her finger (which she also blames me for, merely for existing, as someone my father is ---I'm sorry--- morally obliged to protect the interests of besides her) and in fact in our situation, I believe this whole thing has been made even more poisonous as a result of the slow unfolding of time. When I first met her, at 13, I was completely open and welcoming to her (as was my bio-mom and her family: never was a snide remark or inappropriate question asked by anybody). Things were more-or-less okay, at least b/n she and I, for the first few years (besides the frequent day-long battles she and Dad fought on my visits, which would ruin any plans we might have had to do anything, time and time again... or the systematic destruction of my body image that she inflicted by pointing out every flaw in my body and how I could "fix it". Only years later have I been able to see in hindsight how damaging her "girl talk" was, and only years later did I find out she was addicted to diet pills so bad she had to go into detox; meanwhile I was a teenage anorexic because of her)... Then time came for me to go to college, and we have all seen the conflicts that occur b/c SMÂs often (but not always!) think the DH "no longer owes you a cent, now that youÂre 18" and want you to disappear. So, over the years, SHE became very snide, cold and manipulative of my relationship with my father. It had nothing to do with my mother, the divorce, or me being anything other than a normal and comparatively warm and well-behaved girl/teen/young adult. I think each year that went by that my dad did not budge and insisted on legally protecting my interests despite her many histrionic manipulations, she became more and more convinced that I was an obstacle, that she hated my existence, and that somehow or another I needed to be systematically shut out if she was ever going to "get anything out of all this". And it looks like all her carefully-honed efforts (all with a big smile on top, of course) are finally paying off for her and all her wishes are coming true. --"There is some truth to KKNY's warning but not all situations are like that. My dad is my step mom's third husband and ten years after they married, she became ill. She's terminal and he's cared for her the last ten years. Her own kids don't visit or call to see how she is. I help take care of my step mom. Yet, her children feel entitled to get an inheritance when she finally dies. She's still alive and they've already been to court twice. They apparently can't wait for her to die."-- I TOTALLY agree that this in no way represents how ALL SPÂs are. In fact, I grew up living in the house with my mom and stepdad, who has been nothing but a prince to me, treating me as if I were his blood. (We had our fights, of course, along with the "youÂre not my dad!!!"s but because he has a decent heart and an ability to communicate and compromise, we dealt with all of that with love. He did not make my mother "choose" nor fail to recognize normal teenage adjustment issues for what they were.) Sadly, though, I think it makes a difference and adds infinitely more pressures and tensions when itÂs a child-from-previous-marriage and step-parent figure who is also dependent. It tends to set up a sense of competition, especially if one party exacerbates it by being as grossly insecure and Machiavellian as my dear "SM" is. Not saying that even that "2 dependents" set-up is doomed, but it just requires some extra considerations and maturity and love that unfortunately in my particular situation (and that of too many others) has been lacking. I think this board is potentially a very good place to not only vent and compare notes but to truly try and reach understandings about the roots of these problems and what can be done to prevent them, so that at least others can learn from ALL of our heartaches. Thanks for reading my super-wordy posts, everyone, and to those Step-parents truly loving and caring for your step-kids, I salute you! You do have a hard job but as I've seen with my own stepdad, with the right attitude and an open heart you will be appreciated one day more than you even know.