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 Posted: Fri Aug 10, 2007 9:53 am Subject: FUn |
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I owe 1560 in debts to a landlord and about 1500 to credit cards because i put it off for 4 months because of depression from deaths of close relatives and other fun stuff.
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bigbiggist
Joined: 10 Aug 2007
Posts: 1
Debtcc Points: 38
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| Posted: Fri Aug 10, 2007 10:10 am Subject: |
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Hi, welcome to the forums. My first question is are you working right now? If so have you tried to make payment arrangements. If you are 120 days past due on those cards they are getting real close to being charged off and turned over to a collection agency. Is the money to a landlord for breaking a lease or is it your current landlord for back rent? You do not show enough debt here to qualify for most consolidation programs but you can work with them on your own. If you show a willingness to pay most companies, but not all, will work with you!
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frogpatch
Moderator
Joined: 09 Apr 2007
Posts: 3695
Debtcc Points: 30816
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| Posted: Fri Aug 10, 2007 10:59 am Subject: |
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Call your creditors and set up a payment arrangement with them. The credit card companies might offer you lower interest rates after you have done a couple of payments. In case you need professional help, speak to a debt counselor referred by this website. He will figure out a suitable plan after doing some budgeting on your finance.
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Howard
Joined: 30 Oct 2006
Posts: 312
Debtcc Points: 4766
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