I don’t know where to start because this has been an ongoing issue for a while. But this morning, I wake up to a text from my husband apologizing and informing me that my car got repossessed this morning.

Background info: my car wasn’t really my car. It was his car that he put in my name without my permission. I didn’t want him even buying a new car because he just bought a new car the year before that. He’s very impulsive and just loves buying new things like cars all the time. Anyway, he told me to co-sign but he really just put the entire car in my name without my knowledge... I had my own car that I was paying on... so I then had two cars in my name... this was in 2017 right after I had my baby

I returned to work and continued paying on my Jeep and he paid on the Journey (the new car that was his but in my name). Anyway, last year I ended up leaving my job and becoming a stay at home mom. Some people from our church were struggling and moved in with us. I decided that I would let them use my car to get to work as long as they paid my car note (my mistake I know). That worked for a few months until they wrecked my car this past May... the dude was driving while under the influence and hit someone in my car and then fled the scene 🤦🏽‍♀️. I should’ve reported it but my husband made me feel guilty for reporting it like we can’t do that to him. He’s our friend. That’s messed up. Ok but what about me?

Anyway, The dude never paid for the damages and stopped paying my car note. I couldn’t afford to keep up with the payments. So I lost that car. I was ok with us just having one car until we got back on our feet. We didn’t need an extra car note. But no my husband insists on getting another car 🙄🙄🙄. I told him no. He got it anyway. I told him that both of the car notes were now on him since he went ahead and got that other car. He said no problem. He found an app that lets you rent out your car and get paid for it. So we did that for months...

Well come back to today, and the car is repossessed. Mind you, I’m thinking that my husband has been paying the car note with the money he gets from renting it out every week. Nope. Lord knows what he’s been blowing the money on. Now that’s a second repo on MY credit. He’s like I’m sorry. I’ll fix it. I know some credit repair people.

Y’all I love him, but he’s screwed up my credit. I am a responsible person. I have a track record of paying all my bills on time. So my credit doesn’t reflect who I am as a person and it pissed me off that he has screwed me over. And this isn’t the first time this has happened. In October, the same thing happened. But he was able to pay a fee and get our car back. Whelp not this time. We have to pay the entire loan off to get the car back. I’m sick!!!

I’ve been cursing him out all morning, and he’s saying things like “I’m a failure.” self pitying himself. But I feel like it’s not genuine. I feel like he’s just trying to make me feel sorry for him. He always act like a victim when he does wrong to not make me angry anymore and instead make me feel sorry for him. But I’m not falling for that. He says I’m being mean and heartless. But why can’t I trust you to pay the freaking bills?!!!! It’s not like we don’t have money. He made over $70,000 last year.

Part of me wants to leave, but I won’t be able to get a place with my poor credit. He put me in a real bind. I keep crying and my almost 2 year old son is wondering why I’m crying. I’m trying my best to hold it together, but I don’t know what to do. I know I’m not perfect in this situation. I feel guilty for staying at home. I feel like I should’ve stayed working even tho all my money was going to gas and my car note... but damn you should be able to trust your spouse to pay the bills..... y’all idk what to do!!! What would y’all do in my situation? We’ve had sit downs before and made our budgets, but he won’t stick to them.