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 Posted: Wed Aug 22, 2007 9:01 am Subject: I need some help |
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I am currently unemployed I have been since July of 2006 due to a very high risk pregnancy. I was on unemployment and then on disability untill april of 2007. For the past couple of months I haven't been able to make payments on my credit cards and I dont know when I will. Im currently awaiting to be approved by the state disability due to some illnesses I inquired from my pregnancy. I need some help to figure out what I can do.
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lisandra1126
Joined: 22 Aug 2007
Posts: 1
Debtcc Points: 70
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| Posted: Wed Aug 22, 2007 9:12 am Subject: |
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Just hang tight lisandra! I'm not very familiar with your situation, but someone will be along soon who can help you. Just wanted you to know that you are not alone. 
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eleroo
Joined: 06 Jun 2007
Posts: 1227
Debtcc Points: 14309
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| Posted: Wed Aug 22, 2007 11:18 am Subject: |
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While you wait to qualify for the disability, why not you call the creditors and make them aware about your situation. Most credit companies have some hardship programs for people in dire need. You may be able to qualify in one of their plans.
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BKP
Joined: 19 Oct 2005
Posts: 242
Debtcc Points: 3532
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| Posted: Sun Aug 26, 2007 4:36 pm Subject: |
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I think that the advice from BKP is good. You want to keep in contact with them as they maybe more willing to work with you.
ladybug
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ladybug
Joined: 29 May 2007
Posts: 2745
Debtcc Points: 24743
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| Posted: Sun Aug 26, 2007 5:04 pm Subject: |
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Definitely call them and explain the situation. Once you start recieving benefits you can see if they will work with you under a hardship program where they will reduce your monthly payment and sometimes freeze the interest and/or late fee's. If that doesn't work for you..take advantage of the free consultation offered here. They should be able to conect you with someone in your area that could put together a debt management program for you...you would make one payment to them and they will make your payments for you. In many cases they can have the interest and balance reduced making it easier to pay the cc's off.
_________________
If you think you can, you can...if you think you can't, your probably right...
http://lifewithyourcredit.yesdebtfree.org/
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Morningstarr430
Debt Samaritan
Joined: 13 Jun 2007
Posts: 2337
Debtcc Points: 39294
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| Posted: Mon Aug 27, 2007 6:38 am Subject: |
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Did you sign up for any of the extra insurance on your credit cards? If you did you need to contact them asap, because as soon as you become disabled they will pay your monthly payment. My dad learned the hard way, it may have been like $.75 for every $100 that you have charged but when your like $20,000 in debt and become completely disabled that 75 cents was worth it.
If you didn't have the insurance I would follow the advise given above. The more you keep them updated, the more they are willing to help you.
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puddlejmpr
Debt Samaritan
Joined: 15 Dec 2006
Posts: 1325
Debtcc Points: 3334
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| Posted: Sat Sep 22, 2007 5:21 am Subject: |
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Hello lisandra1126,
Welcome to our community!
Your situation is a bit different from what we usually encounter here, but the main issue is the same: debt. As I usually recommend, sign-up for the free consultation. The counselors there have been very helpful in my case. You can also call the 1800 number displayed on this website to see how they can help you.
Good luck with your situation and keep us updated! Remember, we are always here for you! 
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stefan
Joined: 16 Sep 2007
Posts: 201
Debtcc Points: 2569
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