**Warning Bells**

You need to get to the bottom of the problem. Ask why he was acting like everything's ok when all along it has not been. What is he hiding...where is the money going? What compulsive behaviour have the $$ been spent on...is it just bad budgeting or is there an underlying problem? Drink, drugs, online gaming, gambling, compulsive spending, what else is going on??? If you don't address the reason why the 3K has gotten out of control you won't be able to address the rest of the debt either.