He’s put his credit rating above his family. The question has been asked, “Would you sell your family’s happiness for a _________ amount of dollars” and he has answered.
If he can’t make the mortgage, like I can’t, and no one will buy it - Then I’ll face poor credit, bill collectors and, I sigh as I type it, bankrupcy. But I’ll never leave my wife for a job across country. She comes with, but I won’t leave her alone.
And with a kid ? Yeah, they have the house and stuff, but no dad. That kid needs a dad. My dad wasn’t rich, and we lived in small apartments my whole life - but my family was together.
Credit isn’t _you_, and you are not your credit. Don’t let “them” convince you otherwise.
If that is your attitude, you will easily be replaced in the labor force by an illegal alien with a more realistic philosophy. Don't know what becomes of your wife, but that's between you and the unemployment office, I guess.
The problem with taking such a flippant attitude towards credit is that it isn't just needed for borrowing. Getting your next job might depend on your credit. Many employers now consider credit scores when hiring people. Many people who are unemployed and had their credit wrecked are running into more trouble getting work because of this, and that was not even their fault.
Why willingly put yourself in that boat?