biondablonde t1_j2dnuvh wrote on December 31, 2022 at 2:09 PM

Debt consolidation (through a reputable program) might help, but it doesn't solve the underlying lifestyle issue. She is living a lifestyle she can't afford, period. The car is contributing to that for sure. Has she gone over her spending with a fine toothed comb to see where else she can cut back? How much equity does she have in the car?

Regardless, she needs to pursue child support - it is grotesquely unfair to her child not to do so. That money is to ensure their needs are met. I would do this before selling the car or considering bankruptcy.

squarybuttholes OP t1_j2e9ub5 wrote on December 31, 2022 at 4:53 PM

Thank you. Not much equity in the car, but as I said to someone else, she needs it for work and can’t afford to even purchase a cheaper one once sold and note paid off. She has eliminated all frivolous spending and is working more overtime now so things are looking better in that regard.

As far as child support, I couldn’t agree more. I’ll be pushing that issue a little further when we discuss it next.