I jumped in to too much Debt

Welcome to the forums :D Sorry to hear about your troubles. What kind of debt are you talking about-credit cards,loans?If you signed up for the free credit counseling,someone will contact you soon. Consolidation may help if you have alot of bills,combine them,lower interest and one monthly payment,Good Luck-keep us posted...Karen

Repairing the credit will be helpful in restoring your credit worthiness. The first move is to pull the latest copy of your credit report from all the bureaus and compare each of the items reported.

Find out the items that are reported wrong. If you want to contest a bill or credit denial, contact the appropriate company in writing and send it "return receipt requested."

When you are contesting a billing error, include your name, account number, the dollar amount in question, and the reason you believe the bill is wrong. This will help in getting better results for you.

If you have some doubts about the item, request written verification for it. The credit company will give you on request.

Keep all your original documents, especially receipts, sales slips, and billing statements. You will need them if you dispute a credit bill or report. Send copies only. It may take more than one letter to correct problems.

When fixing your credit, be skeptical of businesses that offer instant solutions to credit problems.

Be persistent. Resolving credit problems can take time and effort. But you will get results for sure.

The answer lies in you, bub. getting out of debt just means living on less than you make and making the payoffs. Stick to a budget, deep-six your debt and connect with your cash. That's my story, and it's on

Link deleted as per forum rules - Mike

well...That's true! And what a colorful way to phrase it, too!

I haven't been arrested yet, but I know what it is like to jump into the debt bandwagon and never think you're going to find a way out. If I could go back in time, I would stop myself from making the purchases, paying the tuition and fixing the car constantly. It all just got too overwhelming so quickly... And it is so hard whilst being so young to say "no, please stop giving me these cards..." For the first time, I was able to buy anything I wanted, eat at the places I could never eat at before, and before I knew it, I was in over my head. I'm praying to god the Superior Debt Services (referred to me through this site) can help me axe my debt.

The scariest part of the consolidation process for me has been letting my cards expire. Up till the beginning of the program, I was current on all my cards. Having someone tell you that you have to let the accounts expire is like having someone tell you to throw a rock in the windshield of the sheriff tailing you on the interstate. The anxiety has been overwhelming and I can barely sleep at night. The thought of getting collection calls has taken its toll on my health and my heart has been acting up lately... But I have to convince myself that in 2 yrs, I will be debt free.

One thing, if someone understands how this works, that I would like explained is, how exactly after NOT paying your cards, can you get your credit back up?

After you put the credit cards in the consolidation plan, the program doesn't allow using it as long as you are enrolled in it. This is basically done for your good. The program will be a waste if you build new debts on the card on one end and make monthly payments through the plan on the other. At one point, the debt will go higher than your monthly payments if you are allowed to use your cards.

Once the program is over, meaning the debts are paid off, you will get your cards back for use. It's only frozen as long as you keep it in the program for repairing your own credit.

According to Matt at Superior Debt Services, he said my accounts are now technically closed. He even suggested that normally his clients have to close the accounts themselves :/