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Posted: Wed Mar 23, 2005 4:31 pm Subject: It's driving me crazy credit cards DEBT |
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Hi I need help. I have around three credit cards bills and all of them I have used the credit line. I owed around 15,000 dollars just in those credti card. My APR is really high on one is 21 and the other two is 9.44. I also owe my car loan. I don't know what to do. I just lost my job and I'm behind in all my bill payments. I need help please give me an advice.
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cindy_184

Joined: 23 Mar 2005
Posts: 1
Debtcc Points: 100
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Posted: Fri Mar 25, 2005 2:37 pm Subject: you need a job urgently |
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Hi cindy_184
What I feel for you at this time is that two things are very urgent for you. One is a steady flow of income by getting a suitable job for yourself so that you can manage your living and don't add much more to your already existing troubles. Another thing is that you need to get some professional help so that it can help you coming out from such existing problems otherwise it will keep on increasing further. But most important above everything is that you need to have a job at the earliest.
Roxette
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roxette
Moderator

Joined: 18 Mar 2005
Posts: 4175
Debtcc Points: 50387
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Posted: Sat Mar 26, 2005 3:55 pm Subject: |
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hi this is another sad story. we need to pull our troops from overseas and use our money to establish more jobs for our own people. instead we are worrying about others. you should not focus now on what you owe others and just make sure your fed properly and also focus on what you have for skills you could be looking at a home based buisness, or some kind of partnership with someone with goals for long term employment. life will never guarantee us anything, but try to stay healthy and focused on whats best for you. bills can be taken care of later. please no replies on our troops status.
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puchodog
Debt Samaritan

Joined: 23 Feb 2005
Posts: 60
Debtcc Points: 473
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Posted: Sat Mar 26, 2005 7:15 pm Subject: pay secured loans first |
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| Quote: | | I also owe my car loan. |
Pay it first or give it higher priority as you have a collateral attachment to it.
| Quote: | | I owed around 15,000 dollars just in those credit cards. My APR is really high on one is 21 and the other two is 9.44. |
Calculate your debt income ratio and this will help you decide your next move. Our DIY section will help ( http://www.debtconsolidationcare.com/diy/ ).
Welcome to the forums cindy_184.
Thanks
Denny
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Denny
Site Admin

Joined: 19 Oct 2004
Posts: 1730
Debtcc Points: 75687
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Posted: Wed Mar 30, 2005 8:15 pm Subject: Re: It's driving me crazy credit cards DEBT |
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| cindy_184 wrote: | | Hi I need help. I have around three credit cards bills and all of them I have used the credit line. I owed around 15,000 dollars just in those credti card. My APR is really high on one is 21 and the other two is 9.44. I also owe my car loan. I don't know what to do. I just lost my job and I'm behind in all my bill payments. I need help please give me an advice. |
21 percent? I would suggest focusing on that crazy high interest rate. Try contacting this credit company to see if they can reduce that crazy rate. If possible, you should pound the pavement for a part-time/full-time job so you can have an income source. Just something temporary until you find a job for which you are a perfect fit.
Also, it wouldn't hurt to ask your family for financial help until you get back on your feet. This whole process is very humbling, but I believe that you could get through it.
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benjaminz6
Moderator

Joined: 10 Mar 2005
Posts: 270
Debtcc Points: 10361
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