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 Posted: Thu Oct 18, 2007 8:48 am Subject: Owe way too much!!!!! |
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I in collections for 7 credit cards estimated at $12,000. I defaulted on a timeshare at $7,000. I am so disappointed with myself in this life I am 32 years old. I am probably just going to file bankruptcy. Mentally I am just tired of this debt I can't see how I will ever over come this. I only make $15,000 per year as a security officer.
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rod1713
Joined: 18 Oct 2007
Posts: 1
Debtcc Points: 39
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| Posted: Thu Oct 18, 2007 8:51 am Subject: |
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Rod, Please click at the right of this page for a free consutation. Perhaps that can offer a solution for you other than bankruptcy.
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kashzan
Debt Samaritan
Joined: 11 Jul 2007
Posts: 5461
Debtcc Points: 38903
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| Posted: Thu Oct 18, 2007 8:53 am Subject: |
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Welcome to the Community rod  I know how you felel, but you are still very young and can get on track! I am old enough to be your mother and I was in that shape!
You are entitled to a free credit counsultation if you signed up for one. Let them see what options they may have for you.
Have you tried to settle with them for lower amounts? This will harm your credit, but if they are in collections, you already have a mark on your report.
Make sure that you get anything in writing that you do or agree to.
Are these accounts just in collections, or have they been bought by the collection agencies?
Feel free to ask questions, we are here to help and guide you!!..karen
_________________
As long as you are alive, there's always hope
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Bossy4455
Moderator
Joined: 27 Feb 2006
Posts: 5437
Debtcc Points: 64106
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| Posted: Thu Oct 18, 2007 8:55 am Subject: |
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Yes, Rod...one thing at a time. most everyone on this forum have been in over our heads or are there now and this community is informative and understanding. use the free advice here on the site for they will give you sound information on what to do in your situation. in regards to your cc debt, have you considered consolidating? I believe that much debt would qualify for most programs. see what your free advice has to say. While it does not seem like it now,rod, you will pull through this and manage. hang in there, being proactive is the first step to becoming debt free
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debtstinker
Joined: 08 Oct 2007
Posts: 288
Debtcc Points: 2786
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| Posted: Thu Oct 18, 2007 9:27 am Subject: |
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Rod, don't be so hard on yourself, there is a way out, it just takes a little time and determination. You'll find you will get a lot of support on this forum. Just take it one step at a time.
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Punkteri
Joined: 17 Aug 2007
Posts: 202
Debtcc Points: 3092
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