Help Debts

Posts Tagged ‘work time’

I do realize no one can make this decision for me but I really would like advice
I have a job I love but as a social worker I don’t get paid much. I have a second retail job to supplement. I am getting so tired of this second job. I would like to find another job that makes more. My wife thinks it is a bad idea because
1. current job offers lots of flexibility with scheduling (no sick time for MD appointments I have flexible scheduling I am off every other Friday etc.)
2. We are moving to work at home so I will be home more during the day except when I am out seeing clients
3. We are slowly chipping away at our debt once the credit cards, run up during college, are paid down we will just have student loan debt and that will free up so much of our income and I will be able to quit the second job. (my thing is it will take at least another year if not more to do that)
4. not everyone is lucky enough to have a job they love I may make more money but hate going to work. ( my feeling is I hate going to my second job so why not hate one job that pays me enough)

What do you think or would you do? Should I even look for another job? I was thinking of going to work for a nursing home as a social worker but they often require you to be on call can carry a pager. I could actually be called to work at any time out side of work time but they do pay more money.
Looking for opinions please

Placed in parenting because I like the people here plus it affects my family
With one car and me needing it to see clients and with the children being young her working parttime is not feasable at the moment. She will go back to work full time once they are both in school which will help tons but that is a few years off yet

I refinanced my house through Ocwen in 2002 just before a major surgery to help with cost that I knew I would incur during the no work time. They told me one thing on the phone and when it came to signing, the paper work was nothing like what they offered me on the phone, but at the time is was only one week before surgery so I went ahead and signed. Since then I struggled and finally last year I was able to pay off my 2nd mortgage and all credit cards. The only bill left was the mortgage, since I paid off my vehicle the year before. November of last year I was in a bad car accident that totaled my vehicle. After receiving the check from the insurance company I purchased a used 2008 Dodge Advenger for 15,000 with 6,500 down on a 36 month loan. (Trying to stay debt free). Well December comes in and on the 2nd I was informed that layoffs would begin that week and sure enough two days later I got the call not to come in. This was a big surprise, since my company received records profits just the quarter before. Anyway I feel really bad, but I just cannot handle the mortgage payments anymore and I have tried everything to get the mortgage company to do something. They say I do not make enough for them to be able to help me. I am currently spending three hundred every month more than I am bringing in. My savings is now gone and starting to use credit cards again. And at this point I have a good chance of getting a job outside of Michigan, but if I do get the Obama modification I have to stay here with no hope of a job. Things just look worse at my company each month.
Will I be able to keep the car even though there is some equity in it? And can I let the house go this way with no reprecussions? I feel bad, but I also feel they took advantage of me when I was in a bad situation. And I have had the house on the market for over three years with not even a glimmer of hope. Thanks in advance for any and all advice. For those who like to talk down about people that file bankruptcy I pray you never find yourself in this situation. Current situation:

House owed 99,500 value about 105,000
Car owed 7,000 value about 15,000 (kbb)