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That, unfortunately, is the result of using credit as if it were money, rather than saving for what you want or for bad times. My wife and I do not use credit.
When my ex- divorced me, she withdrew $8,000 on a joint credit card to pay for her divorce lawyer (a Felony), yet the second judge in the divorce case (the first was jailed for corruption) stuck me with the bill anyway, though I was a disabled vet and my wife made $120,000 a year.
Between the child support and the credit bills, nearly all of my disability went to pay those, and I became homeless.
When I remarried after nine years, my wife and I set about retiring my arrears child support payments and her credit debt, and we have lived credit free since. This allowed us to purchase our new house with money saved, rather than interest for the rest of our lives, because we were saving money out of my miniscule disability cheque. (We live rather Spartanly anyway, so our expenses are low.)
Since no life insurance company will issue me insurance (epilepsy), we don't even have that expense; that has also been saved for. (I will not stick my son with the bill to ship my body to the coast so I can be tilted off the fiddleboard on an aircraft carrier at sea, or burn up a perfectly good coffin in a cremation, or spend tons of his money to dig a hole in the ground).
We still get by on my VA disability cheque; my ex- wife (who lost her job recently) called asking for money to save her new riverfront home and new car. She was really angry and hung up heavily when I just burst out laughing into the phone; I couldn't help myself.
James.
Payback's a bitch...
Religion is like a Penis, you shouldn't whip it out in public and you shouldn't shove it down your child's throat.