Do Your Own Debt Consolidaton And Save! Know Exactly When You Will Be Out Of Debt, And Sooner Than You Think. No: New Loans, Credit Checks, Monthly Fees, Discussing Your Situation With...
Hello, Thank you for such a wonderful forum. I have been reading a lot and learning!
ily. my husband travels a lot for his business so he cannot take on another job.
We were never late on our bills until we joined a credit counseling service 3 months ago. They told us everything was fine but 2 of our cards did not agree with their payment plan. We are just finding this out. We have been paying the CCS faithfully on time every month but they didnt tell us we needed to keep up with the other payments until we heard from them. The new proposal is not in our budget. We just dont have it.
the CC is NOT willing to do anything for us at all. They want their $$ ok I get that but I have no idea what to do now.
ily reasons.
drowning. Please help!
thank you for reading this novel of a story. I really do appreciate it. _________________ . frogpatch Moderator
trying to get a better picture of the situation! BJNelson Guest
That ok, thanks
Credit score up until was pretty good. I think Dh was 730 and I was 715.
I have called citibank and they couldnt care less about anything we do. They have bene horrible to work with.
it was a credit counseling service. They made a management plan for us to repay at full. Citicard wont even give us much of a break on our apr _________________ . girlndebt You did the right thing by trying to make right on your debts. Unfortunately to these CC companies-you are only good to them if you are making your payment.They don't want to hear about hardships.
still applying for a 2nd income. It is hard. I worked for years to keep our credit good but in these rough times you need to pay your necessities first and then worry about credit. Know that you are not alone. Good luck! _________________ http://girlndebt.yesdebtfree.org jb2007
ple: your plan was 500 for all your cards - two cards, that won't accept this, each payment was $25 - so start paying the two payments to the cards directly. Now this won't stop late fee's, over the limit fee's etc - but is shows you are doing what you can and may buy you some time or force them in another few months, to actually work with you. So just keep to the plan the Consolidation company setup for you but make these two Card payments yourself - just do it online and then the companies have to accept the payments.
I can't really think of anything else besides this. Because if you don't make any payments you will eventually have to settle these and it doesn't sound like you will be able to save any funds up.
ount the counselor setup and hope these two CC's come to the realization this is all they are getting and they should work with you or they might not get anything at all!
ily! And you can always rebuild your CS later. _________________ http://downhilldebt.blogspot.com puddlejmpr aritan
Citi IS very hard to deal with. We ended up filing BK because of them But that was 11 years ago. Guest
You may need to consider whether your house payment is to high. If your house payment is more than 30% of your take home pay you need to sell and buy cheaper freeing up additional money for day to day expences. Do you have car payments? You need to list your income and debts for us to get a better idea how to help. Remember this, selling things to reduce debt is always a good thing to do, stuff can be replaced. Living pay check to pay check is not worth the stuff. Reducing as much debt as possible is a good way to get out of debt quickly, then you can save and pay cash for stuff much easier. These are a lot of things you don't won't to hear, but if you go this route you will never regret it later. _________________ . Kdebt.com
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Heavenly Father,
Hallowed be your name, your kingdom come
Your will be done on this Earth as it is in the Heaven
Give us today our Daily bread
Forgive us our debt and sins
As we have forgotten our debtors and sinners
Lead us not into temptation
But deliver us from the evil one
For you are the glory and the power and the kingdom
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