This is my story

Robin--Welcome to the forums!

Since you've registered, a debt counselor will be in touch with you about your debt situation and can help you make a decision on the type of program that will work the best for you.

I'm sorry to hear about the loss of your daughter. :(

We'll get you through the debt problems! And feel free to vent at any time, and ask any questions you may have.

With your marriage, does he take care of somethings, and you take care of the bills?

If that's the way it is, it sounds to me that you might need credit counseling. Someone to actually show you the way money should be sent.

I totally understand the not working part. Money goes quick. It seriously does.

Perhaps, you should confide in your husband. I mean if you're still together, then you're suppose to make things work. It never hurts to ask.

debt consolidation is also another program that can help bring all your bills into one monthly payment. When you signed up on this forum, you should be receiving a call sometime soon from a debt consolidator.

Regards
Mike

He takes care of the larger things, mortgage, insurances, and all of the other large bills. I pay the electric bill, daycare, cell phone, house phone, dance for my daughter, satalite TV bill, three major credit cards and six smaller cards. It is the 3 major cards that are killing me. I am getting no where. Actually, things are getting worse and worse every month! Going to him is not my answer, I am in the process of checking out divorce laws in my state. Things between are not good. I have a shut off notice for my phone. It is going to be shut off tomorrow. I will be calling there this afternoon and paying the minimum on it so it wont get shut off, but I don't get paid until Friday and I know it is going to bounce but there isn't anything else I can do. I can't go to him. It just isn't an option.

It sounds like you're not in any serious trouble yet, but you are fast approaching. You need to contact each of those 3 high credit cards, and see what kind of payment plan they can work with you. Expressing a concern in something that could get out of control shows that you have interest in being on good standing.

Would a part-time job even be feasible? Ten hours a week could a payment towards something.

rdebaise , if it sounds well, you may take a consolidation plan. You will get a lower payment plan at affordable interest rates. You may take the advice of a debt counselor and see what types of packages he has in store for you. If you feel interested, he will start negotiating with your creditors and set the payment plans according to your present financial condition. You will find yourself in a better state from the present and things will be under control.

Robin, Welcome to the forums. First let me express my sorrow for the loss of your daughter. You must take care of yourself thats important. You cant pay anybody if your not around. Have you thought about grief counseling? Also talk to someone when they call. It pays to be informed. We all need help or we would not be here. Take Care Kyside38

Thank you for you condolinses Kyside38.

Is it really possible to be free of this debt in 3 years?? All I have are 3 major credit cards that are up to $18,000.00 I just cant live like this anymore.

I am so glad to have found this fourm. To talk with others that have been in the same situation as I am now. You all sound so happy. So.... what are you all doing to make things better. Is there someone specific I should be talking to about money counseling? What is this fourm all about?

Robin, Please register here and that way you can be a part of our little community. I have made some very close friends here. Also when you register someone will call you. PM me thats Private Message under my name kyside if you need anything. KYSIDE38