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#1
11-03-2007, 03:12 PM
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credit card debt
i have a credit card debt of 23,000.i have income of30,000 plus. my interest rates are at 31%. i cant afford the payments.i dont own a house. im current with all the payments. i have a ctredit score of 669. how can i get out of this mess. thanks ed
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#2
11-03-2007, 05:59 PM
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Hi Ed, first of all has anyone told you about the free consultation this site offers? if not that would be the first move I would make to see what a debt professional says, they will offer you options that you have tailored to your situation.
Secondly, the good thing is you're current and hopefully you can stay that way, as frustrating as it is seemingly going nowhere, keep in mind that keeping current is very important. Have you contacted your creditors to see if you can get that interest down some and get the payment a little lower so more $$ goes to your principal? if not, please do that. I think that the consultation will offer you lots of help. others will be along to to give you more ideas. good luck!
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#3
11-03-2007, 08:04 PM
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I agree-contact a debt counselor for a free consultation. It won't hurt & they will help you see your options.
Definately call your creditors & explain your situation. See if they can't lower the interest for you. Some creditors have a "hardship" program. Explain how much you make & that you want to pay them back, but right now you can't make any headway. Maybe they can work out a payment plan for you. If you do choose a consolidation company, check them out with the BBB!! Best of luck & let us know how you are doing with debt or if you need any help! __________________
Mommy to Matthew Patrick...born 3/6/08!
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