I live in a Beazer neighborhood and needless to say we are building a custom home so we can get out. They are not built particularly well at all!! Beazer is in trouble for predatory lending practices, lots of people have been defaulting on their loans because of the balloon payments. We had a family down the street move out in the middle of the night and the bank took the house. Too sad!!

So the main thing is to do some research (ok alot of research!) to make sure you do what is best for you and you get the best deal! One element of that is checking out the company offering the warranty (it's not the dealer and it's not the car manufacturer). Find out if they're on decent financial footing so you can expect that they'll be around for your 100,000 miles. If a third-party warranty company goes under, so does your coverage unless some other company is kind enough to pick up your coverage. Expensive and "racy" cars cost much more to insure than a family car not only because they are more expensive but because more people take risks with them. Some companies charge more for a red car, regardless of the style of car, because red cars get pulled over more often and people who may own a red car take more risks (think red sports car) You might be really surprised at which cars cost a lot more to insure. Nissan's Maxima -- not hugely expensive or racy -- costs a minor fortune to insure because of the special headlights the car has. They cost more than a thousand dollars per pair and thieves know how easy it is to pry them out of the car and use them on their own cars. And the cars stolen most frequently include older models of such relatively inexpensive family-mobiles as the Honda Accord and Toyota Camry because there are so many of them out there that there is a good market for the parts the stolen car yields. Fortunately for owners of most of those cars, the loss experience of the drivers of those cars makes up at least some for the attractiveness of the parts.

I've been waiting 2 pieces and they told me just last Monday, they were planning a delivery later this wk and I could pay the balance on my credit card. The delivery guys came but then said I needed the balance in cashier's check or cash and wouldn't leave the furniture. Supposedly, someone will contact me about rescheduling but I'm not holding my breath. I can't believe it but this is the second furniture store to go bankrupt on us after we placed a deposit. Didn't get a cent back last time, since customers are always last in the creditor list.

Okay, I've been reading this thread and not responding to it b/c I don't want to have it come out wrong. I can't keep quiet any longer. I agree with many statements above. I would like to say these things: If you haven't already filed bankruptcy-DON'T do it. Your husband is like a child and you are not teaching him any good sound financial responsibility by bailing him out all the time. You've bailed him out 2x already and then signed for a loan for someone who has no credibility. Doesn't pay bills and loves to spend....HELLO that was not a smart move but you have to move ahead...can't look back. You guys created these debts you have to pay them. Your biggest expense next to your mortgage is your student loans....in almost all cases they can't be discharged. So you will still end up having to pay that. You've already stated you need your cars, so you'd be keeping those. You have to pay back your 401k loan...So basically you'd be trying to file off your 60k in CC and your SBA loan? Good luck.....you are going to ruin your credit....for a very long time IF you even get your bankruptcy granted with the new laws, you still may have to pay some of that back. What happens if you file and then have poor credit, no credit cards and then your water heater goes, or your furnace? You have no cards to pay it, no savings to pay it and no money to pay it. So you skip car payments to pay it then can't catch up and car gets repo'd and you have no way to work, lose your job, lose your house. Sounds extreme but it could happen. There are lots of people that are ONE crisis away from poverty and homelessness. I would set a budget, stick to it. Kick DH a$$.....if he's a photographer, start going to bridal shows get some clients offer better package pricing. Brides are bargain shoppers, if you have the best price and great photos you are hired. Hit the road and take photos of things when he isn't working. Enter photo contests w/cash prizes. Put your name out there. Free advertising is everywhere!!!! Stop crying over it and FIX IT!!!! Also, if you can sell stuff.....like 10 chairs to buy 4...then be smarter with the money. Sell 6 keep 4 and pay some bills. Take ALL the cards away from DH and give him a weekly allowance and that's it. If he's unhappy with that let him know that he did it to himself and needs to learn the hard way. Money doesn't grow on trees and the credit tree just got cut down. NO MORE MONEY......no more excuses. You made these bills now you have to lay in the "bed of bills" for a while. Once you recover from this you will feel a sense of relief and feel like a better person that you "took the bill by the horns" and paid everything down. You did the right thing and not the easy way out. Anyway, I'm all fired up, I hope this doesn't come across as insensitive. It's time to put your husband in his place and if he's not on board then he's got to find someone else to take advantage of financially b/c it's not gonna be you.