Opinions ?

Question

*please no rude comments I just need some opinions and I know it's long but please read 
We are a family of 5 me and my husband are 23 and we have 3 kids ages 6, 5, and 4 yeah we were teen parents we'll lately we've been struggling financially a bit we actually live in a 2 bedroom because rent is crazy high we live in Oregon and rent is going up and up they just raised our rent again if we decide to sign a new lease so we have until the 31st to sign a new lease or move out since only my husband works 
I don't work for personal reasons 
And we've been struggling a bit we always pay the rent but we never really have enough leftover at all because we also buy food, household items etc we pay the bills and car payment so afterwards there's nothing else and my husband also has debt he has collections so his credit score is low these collections are from a few years ago when we were young and obviously made some bad choices 
Well we were thinking that we could maybe move into his parents house because they would only charge us $400 rent so we could pay more of our debt off and have more leftover for ourselves the problem is me and my husband and the kids would be in just one bedroom because my in laws only have 2 bedrooms I mean we would fit cause the kids would have a bunk bed with trundle and us our own bed 
Or the second choice means my husband will get a second job and never really be home and wouldn't continue with his college anymore because it would be too much to do 2 jobs plus school the kids hate when he works too much cause they don't see him much so anyway idk what to do I feel so stressed out and so does he 
So here are the choices 
1. Stay living alone and obviously have our own space and husband gets second job, not home much and he stops school 
2. Move into his parents temporarily while we pay debt off and catch up because our car payment is 2 months late, he's home more, continues with his school but we would all be in one room temporarily until our financial debt is done and also until I work which should be within these upcoming months if everything goes well with a process I'm going through.

Answer

If the situation would only be temporary, and the benefits outweigh a short term lack of personal space, I think it would be beneficial to move in with them. Getting through school will afford your family with many more opportunities. Every family goes through some season of struggle, but since your husband is working toward advancing his career opportunities, your circumstances will change for the better when you get on your feet. Obviously, I don't know everything you are dealing with, but from the information you provided, it would be better in the long run for your family to catch your breath.

Answer

SO THE REASON I DONT WORK IS BECAUSE I AM UNDOCUMENTED I FEEL EMBARRASSED BUT I WAS BROUGHT HERE VERY YOUNG AND I HAD NO CONTROL OVER THAT SO I DONT HAVE A SOCIAL SECURITY WE JUST STARTED MY GREEN CARD PROCESS CAUSE WE JUST RECENTLY GOT MARRIED AND THATS ALSO WHAT WE NEED MONEY FOR ITS NOT CHEAP 😕 THE PROCESS TAKES ABOUT UP TO A YEAR DEPENDING ON THE CASE I STARTED MY PETITION SINCE DECEMBER 5 AND STILL NOTHING SO IT TAKES PATIENCE BUT I I SHOULD BE GETTING IT BY MAYBE MAY AROUND THERE

Answer

While its not ideal, and I definitely think it will be a struggle and test everyone's patience, your husband dropping out of school and getting a second job isn't really an option. You will never get out of this situation you're in, and your husband will end up burnt out, and may end up resenting the fact that he has to take care of everyone on his own. If your parents are sure what they're getting into, I would do that temporarily to get your husband through schooling.

Answer

Neither of the options is amazing, but I would opt for number 2. Education is super important and I think it will give him a boost to be able to finish that. His certificate will also allow him to get a better job in the future, plus you will have less stress, have more time together and can just focus paying off your debts. It's just temporary.. option number 1 will not be that temporary and the future will be more uncertain, which will most likely lead to way more stress. So I would go for 2.😄

Answer

So heres how colletion agencies work. They buy off your debt from the company you originally owed the money. They pay some cents on a dollar. Then they come after you and also may sell it to another collector. In most cases (like in the 90%+) collectors do not have the proper documentation to collect the money from you. You can get rid of those from the credit reports. So his credit score will go up again. There are law firms that can help you for a very reasonable monthly fee. I used lexington law - google it. Once those were removed i changed my plan with them to only monitor for about 20$ a month. Surw enough one of the collectors sold the debt to another one so i had that removed as well. I have paid one of the debt direclty to the company I owed after collector was removed. Made small payments each month and zeroed it down after a year or so. You may consider moving in with his parents for a whlie. Fix the credit score and then rent or even buy something for you to live in on your own. Depending on how many collections he has it may take anywhere from 3 to maybe 6 or more months to get them all knocked down. But its worth it. Check it out and discuss with him. I think sign up fee was about 90 someting$ and then 79 each month until.it clears. Then you may stay with them for 20 a month or sign off altogether.

Answer

I have worked with the immigrant community many years and congratulate you for starting this process, it's not easy but well worth it. I agree that it would be a good idea to move with your in laws, so long as they are understanding that you are in the process of obtaining status and once you do receive your green card find even a part time job to better your situation. Don't be embarrassed to be an immigrant because our parents came to this county for the same dream the ones that are born here have. We want the financial freedom to give our families what we know they deserve. Good luck to you!

Answer

not having personal space can lead to problems

Answer

I would do a financial outline on what you will be paying off if you move into your in laws house, see how much it'll help you and you'll be able to see how long you'll be needing to live there. If it makes sense and you'll be able to get your debt paid and start saving, ii would do that.

Answer

When my mom left my stepfather we got a very, very small house, one bedroom, a bathroom and the kitchen, we were seven people sleeping on a bunk bed, my mom and I worked hard, it was super annoying to live like that. 
If I was in your situation I probably wod do the second option (leave with the in laws) but just until enough money was safe to have our place.

Answer

if his parents are willing to allow you to live there instead of paying them just $400 causing a ruckus (it can get loud with more people) and violating each other's privacy also upping the bills they already have, why don't sit down and have the conversation with them and just asking if they can spare an extra $100 or $200 a month to help you?

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