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 Posted: Mon Aug 20, 2007 7:43 am Subject: I need help in solving my financial problems |
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Hi-
I am 21 and have gotten myself in really financial problems. I since the winter of 2006 i have been in and out of jobs. Most of the jobs i was getting where temp jobs. I was not able to apy my bills with the money i was making. Now i am having creditors call me wanting me to make payments that i still am not able to make. I do have a job now that is going really well but i do need some help with getting out of debt.
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leajacques85
Joined: 20 Aug 2007
Posts: 1
Debtcc Points: 65
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| Posted: Mon Aug 20, 2007 9:01 am Subject: |
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Welcome to the Community  Have you tried taking with your creditors and seeing if they will drop or lower the interest so you can pay your bills off? Alot of companies have programs, some called hardship programs, where they will do this, if you will commmit to a payment program.
Are your debts with the original creditor, or collection agencies, and are any of them in default?
Also, are these credit card debts, pay day loans? And what state are you in?
This info will provide us a direction to send you in! Good Luck..Karen
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As long as you are alive, there's always hope
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Bossy4455
Moderator
Joined: 27 Feb 2006
Posts: 5294
Debtcc Points: 63278
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| Posted: Mon Aug 20, 2007 9:16 am Subject: |
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Answer the phone when your creditors are calling you. You don't want them to turn aggressive by not answering to their phone calls. Explain your situation and propose a payment plan that you will be able to afford each month. Draft a written copy and send it to their mailing address. You can also send the check of the first payment along with your proposal letter and wait for them to cash it.
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FlyingCats
Debt Samaritan
Joined: 05 Aug 2006
Posts: 483
Debtcc Points: 6791
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| Posted: Sat Sep 22, 2007 8:32 am Subject: |
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Dont get too worried about this debt, you are young and you will be able to handle it.
Three easy steps for you:
1) Pull your credit reports from https://www.annualcreditreport.com/. Its free.
2) List all your creditors, what you owe them, your monthly payments
3) Call up the 1800 number from this website and get the free consultation
Good luck and keep fighting!
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stefan
Joined: 16 Sep 2007
Posts: 201
Debtcc Points: 2569
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| Posted: Sat Sep 22, 2007 8:39 am Subject: |
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The original poster posted on August 20th, and I don't think has come back..KAren
_________________
As long as you are alive, there's always hope
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Bossy4455
Moderator
Joined: 27 Feb 2006
Posts: 5294
Debtcc Points: 63278
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