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 Posted: Mon Jun 18, 2007 2:38 pm Subject: Help! I fell behind in my credit card debts |
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i applied for two creditcards last year and fell way behind and lost a job.im atleast $3000 in debt and i need help. i have a full time job now and even work over time so now i can pay but i still need your help. please help me
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montana8616
Joined: 18 Jun 2007
Posts: 1
Debtcc Points: 41
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| Posted: Mon Jun 18, 2007 2:50 pm Subject: |
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Have you tried checking into a local credit counseling agency? That is a good start, if you are with a credit union they usually provide that service for free. I tend to trust local agencies that are with the BBB rather than the one's located out of town or out of state.
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TweedleDee
Joined: 05 Jun 2007
Posts: 79
Debtcc Points: 0
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| Posted: Mon Jun 18, 2007 3:12 pm Subject: |
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Can you call the creditors and explain your financial situation? They may do some arrangements on the outstanding balance you have and offer lower interest rates. If this doesn't work, then you need to speak with a debt counselor who will do the negotiations for you.
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onelamb
Joined: 25 Jul 2006
Posts: 436
Debtcc Points: 2736
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