Dear To Her Credit,
My husband and I are $42,000 in credit card debt, have a $29,000 car note and a $20,000 equity loan. Though our mortgage payment is relatively low ($1,500 a month), we are sinking in debt and can barely keep up.

I want to sell my house and pay off all of our debt with the money we get out of the house -- hopefully about $70,000.

I don't mind selling the house because I don't like the neighborhood anyway, and I'd like to get the kids out of here.

I should let you know we have VERY decent incomes ... we just owe too much. I wanted to sell the house, pay off all of our debt and rent for about a year. My rent will be about $1,700 a month -- a little more than our current house payment, but we'll save all that interest on the other debt.

My current mortgage is at 6.5 percent, and my equity loan is at 11 percent. My credit score is in the low 600s because of our high debt.

If my calculations are correct, I will direct deposit my whole pay and live off of my husband's income. I figure in 12 months, I will have at least $36,000 and will be able to look for a house in a neighborhood that we prefer. My husband disagrees. He thinks we should refinance, but I think that is just moving money around and also making it impossible to move for many more years. I feel like I just want to start over. Is there a professional I can talk to about this? - Heidi

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