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Posted: Sun Mar 20, 2005 1:18 pm Subject: A bad situation getting worse... |
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I have serious credit and debt problems! I currently owe in the ballpark of 40,000 dollars, more than half which is unsecured debt. I became accustomed to my bachelor lifestyle and refused to change my spending habits and now am heading towards a dead end. I have been researching counceling services and they all have the same outcome... bad credit. If I said I was willing to do anything to get out of this poor fiscal cycle; what would it take? Where should I start? My current living situation requires me to pick up small living expenses on my credit cards and worse off they just keep raising the limits of the cards? What a mess.
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gnosis1
Guest

Debtcc Points: 100
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Posted: Sun Mar 20, 2005 5:27 pm Subject: Difficult situation |
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Hi gnosis1,
Welcome to the forums, $40k is a big amount and without a reduction, it is almost impossible to repay as the interest and extra charges will eat up all the monthly payments.
The golden rule is, “pay your secured loans first”, else you will lose your attached security item.
Unsecured loans can be negotiated and reduced to 40%, also the interest rate and the late fees can be eliminated. Check our "do it yourself" section, it will surely give you an overview ( http://www.debtconsolidationcare.com/diy/ ).
Simon
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simon
Moderator

Joined: 11 Dec 2004
Posts: 240
Debtcc Points: 1504
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Posted: Mon Mar 21, 2005 11:52 am Subject: i hope D.C.C. is doing all that for me |
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reduce or wipe out my debt i hope your trying everything to help me. i need salvation my brothers
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puchodog
Debt Samaritan

Joined: 23 Feb 2005
Posts: 60
Debtcc Points: 473
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Posted: Tue Mar 22, 2005 12:29 pm Subject: Don't worry |
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Don't worry puchodog1977
Everything will be fine. You will soon be living a very pleasant and healthy life in your near future. If you look at your past, you must have been relieved from your debts to a great extent. And trust me, in the near future also, every discomfort what you are facing today will totally be gone....forever...and you will be cherishing the nice moments that are destined to come.
Roxette
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roxette
Moderator

Joined: 18 Mar 2005
Posts: 4175
Debtcc Points: 50387
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