John and Nina Hartwick, married 14 years, have a 10-year old
daughter, Rita. Eight years ago, they purchased a home on which
they owe a mortgage of $160,000. The home is appraised at $220,000.
They also owe $6,000 on a two-year old automobile. The automobile
is worth $12,000. All of their furniture (value $15,000) and second
car (value $6,000) is paid for, but they owe a total of $18,120 on
two high interest rate credit cards (19.99%). John is employed...