Leslie

Right.

Right.

Yeah, so that was my question. I guess I didn't lead with that. I was wondering, so they're saying this is our only option, and this is the trap we fall into every time. I understand it was us that got us into this situation, but as soon as we did that, COVID hit like a year and a half later. And then I had a company reach out to us and tell us it was a debt relief company.

Yeah, so that was my question. I guess I didn't lead with that. I was wondering, so they're saying this is our only option, and this is the trap we fall into every time. I understand it was us that got us into this situation, but as soon as we did that, COVID hit like a year and a half later. And then I had a company reach out to us and tell us it was a debt relief company.

Yeah, so that was my question. I guess I didn't lead with that. I was wondering, so they're saying this is our only option, and this is the trap we fall into every time. I understand it was us that got us into this situation, but as soon as we did that, COVID hit like a year and a half later. And then I had a company reach out to us and tell us it was a debt relief company.

And they said to, yeah, I fell for that. They said to not only... Stop making payments.

And they said to, yeah, I fell for that. They said to not only... Stop making payments.

And they said to, yeah, I fell for that. They said to not only... Stop making payments.

And beyond that, they said to, because they would just take care of everything and the payments would just kind of go away. They would be able to settle it all to max out the cards because the more debt that we had, the more they would be able to work with them, the more likely they would be able to get rid of it.

And beyond that, they said to, because they would just take care of everything and the payments would just kind of go away. They would be able to settle it all to max out the cards because the more debt that we had, the more they would be able to work with them, the more likely they would be able to get rid of it.

And beyond that, they said to, because they would just take care of everything and the payments would just kind of go away. They would be able to settle it all to max out the cards because the more debt that we had, the more they would be able to work with them, the more likely they would be able to get rid of it.

I understand how insane that sounds, and I feel like an idiot.

I understand how insane that sounds, and I feel like an idiot.

I understand how insane that sounds, and I feel like an idiot.

Yeah, and that's why I was calling you guys because I don't want to do the same stupid thing over again. They're telling us this is our only option, and I've heard you guys say countless times there are other options.

Yeah, and that's why I was calling you guys because I don't want to do the same stupid thing over again. They're telling us this is our only option, and I've heard you guys say countless times there are other options.

Yeah, and that's why I was calling you guys because I don't want to do the same stupid thing over again. They're telling us this is our only option, and I've heard you guys say countless times there are other options.

So we do have our mortgage company, our main mortgage company that we work with. And that was going to be my other question was, would it be better to reach out to them and see if we worked with them and explain to them that we had the HELOC with the bank and that now it matured and see if we can work with them instead of adding all of this additional debt onto our house?

So we do have our mortgage company, our main mortgage company that we work with. And that was going to be my other question was, would it be better to reach out to them and see if we worked with them and explain to them that we had the HELOC with the bank and that now it matured and see if we can work with them instead of adding all of this additional debt onto our house?

So we do have our mortgage company, our main mortgage company that we work with. And that was going to be my other question was, would it be better to reach out to them and see if we worked with them and explain to them that we had the HELOC with the bank and that now it matured and see if we can work with them instead of adding all of this additional debt onto our house?