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 Posted: Fri Sep 02, 2005 10:40 pm Subject: i got far but i actually had a downfall |
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when i moved here in my apartment i had everything going for me i had a job and car and my bills were on point up until recently i lost my car my pay dropped at my job and i was taking out payday loans left and right i got behind on my bills and i started struggling its hard when u dont have dependable money and everything just starts piling up i am so behind on my bills and i really need some kind of assistance programs that can help me out with things because i was always prolonging paying this and paying that til everything started piling up in my face and i started getting bills telling me this and that was gonna get cut off and collection agencies were calling me about payday loans and billcollecters calling me about what i owe and my checks that i wrote to them didnt clear things like that all im saying is that when u have the money for the bills go ahead and pay them because if u let them pile up you are gonna end up like me another statistic in debt and im only 24 years and already claiming to be in debt im about ready to file bankruptcy if things dont get better 
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chmartinbaby06
Debt Samaritan
Joined: 30 Aug 2005
Posts: 392
Debtcc Points: 18632
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| Posted: Sat Sep 03, 2005 1:47 pm Subject: |
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Hi
Welcome to the forum. Looking at your present situation and considering your age, I suggest you not to opt for bankruptcy. It has more negative effects than a few positive ones. Instead, you can try for some debt management programs. These programs will help you to rebuild your credit file and also maintain your credit worthiness.
I guess the consultant will be able to explain you more in details about the advantages of consolidation programs.
Regards
Roxette
_________________
Debtconsolidationcare offers free counseling and help, please avail the services before taking any major decisions.
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roxette
Moderator
Joined: 18 Mar 2005
Posts: 4175
Debtcc Points: 50387
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| Posted: Thu Mar 16, 2006 3:17 am Subject: Credit counseling should be your first step |
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You'll want to talk with a good credit counselor first before you decide whether or not to declare bankruptcy. It's now mandatory before you file. Start with looking at the bills you have for your daily living (housing, transportation, insurance and food). Any other creditors can take a back seat for a few months while you get your financial house in order. Write again and let me know if you can meet your basic expenses if you didn't have the other creditors to deal with and how much is left over once you cover those things (and how much more the monthly bills are) and let's see if we can't get you back on track, okay?
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paularyan
Joined: 16 Mar 2006
Posts: 8
Location: Raleigh, NC area Debtcc Points: 641
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