I had the same problem when I joined the military. I weighed 285 pounds when I first weighed in, and my max weight for my height was 206. 206 for my body type is pretty hard, but I had no other choice. I was "blessed" with bad genes. My neck is normal, but I've got "love handles". Even when I was in the Army at 195 pounds and in the best shape of my life, with a nice toned 6 pack and all, I still had love handles. Even if I was under my weight limit, I wouldn't pass the tape test.
The way I did it was weight watchers. You're going to **** yourself, but get ready for this. I lost 85 pounds in 10 weeks eating taco bell, mcdonalds, kfc, burger king, in and out, anything I wanted, lol. With NO, thats right, NO exercise until I started getting to around 215. Obviously I did my own thing, as you're supposed to have a balanced diet with all the vegetables and that ****, but the basic concept still works universally.
You get a certain amount of "points" per day, based on your body weight. There are two books you can buy from a weight watchers store. One is the "dining out" book, which has the full menus of just about every restaraunt out there, and the points value of everything on the menu. The other is a "complete foods" book, with basically an entire grocery store listed in it.
So, for my weight, I would get, say, 35 points a day. I could have a bowl of cereal in the morning for 5 points. A footlong subway sandwich for lunch (with no cheese or mayonaise) for 10 points. That's 15 points for breakfast and lunch and look how much you ate. Then you've got 25 points left for dinner. I could get an entire big mac meal from Mcdonalds and still be under my points limit for the day.
Seems a little off at first, but my entire family and most of my friends have done it and all lost weight. Me at 85 pounds. My brother lost 30 pounds. My mom lost 75 pounds. My grandparents each lost 20 pounds, and so on and so forth. It's not a drastic change, but you still get to eat foods you normally like and you lose weight.
The best thing is it's not a "carb diet" or "peanuts and water" diet or whatever the hell else is the fad this week. You can take the healthy eating habits you learn and go anywhere and still be able to eat sensibly and lose weight. I did it the stupid way eating junk food. If you actually do it the right way and eat a balanced diet, youre that much healthier.