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 Posted: Tue Aug 07, 2007 9:59 am Subject: 20 yrs old into debt over my head |
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Hi my name is Heather and I'm so far into debt I can't breath anymore. I have people calling me all day and I barely got a steady job again, it doesn't pay like i would like but its a job. i owe a payday service 300USD also a cashcall service 1200USD and 2 credit cards, on top of that thats not my main bills i have a cell phone that i owe 1000USD on, and a car payment of 430USD/month, also school 232USD/month and car insurance which is 240USD/month. the worst thing is is that im only working 32hrs/week at walmart making 8.45/hr. i need help..
please call me.
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blusclus_05
Joined: 07 Aug 2007
Posts: 1
Debtcc Points: 50
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| Posted: Tue Aug 07, 2007 11:33 am Subject: |
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Welcome - you came to the right place. First off take a breath,you will be ok. Since you are registered, a counselor will be calling you to help you figure out some options. As far as the payday loans, you could also check that board, there are others there that can help you alot with that. You need to contact your cell & credit card companies and see if they can work something out with a payment plan, or as I said a counselor may be able to help you with perhaps a consolidation plan and your options. This is the best place to be for help, you will get alot of it here. Good luck - we are here to help
_________________
All I need is a little love now and then, but some chocolate will do for now. - Lucy Van Pelt
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dalfire497
Joined: 01 Feb 2007
Posts: 141
Debtcc Points: 2563
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| Posted: Tue Aug 07, 2007 12:00 pm Subject: |
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You can give a call to each of your creditors and set up a suitable payment plan. Most creditors have a hardship program for people who are unable to afford the payments. You may qualify in one of their plan and pay off the debts.
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onelamb
Joined: 25 Jul 2006
Posts: 436
Debtcc Points: 2736
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