Please help

Hi Jennie---welcome to our forum. Here is what you can expect. You have registered as a member on here, which is good. A debt counselor will be contacting you shortly and you can discuss your financial situation and he/she will advise you of different options available to you. Have all of your bills, statements, etc. ready. Good luck and keep reading the postings here and ask questions. You will find a wealth of information.

Hi Jennie.

It sounds like you're on the right track. Do as Lorri says, and you'll do fine. Feel free to come back and let us know how we can help. Good luck.

Probably, you can look into a debt consolidation program. Not a loan, but consolidation either through this site, or another reputable one. What the counselors do is find out how much your take home salary is, how much you need to live on (rent, food, etc) and then figure out how much you can afford to pay each month. Then they contact your creditors and explain to them that you are working with a debt consolidation program and set up payment plans using the amount that you can afford to send to them. Some creditors will suspend late payment fees and interest while you are working with a debt consolidation company so your payment goes straight toward the debt you already owe. Each month they should send you a statement that shows where your money has gone, and how close you are to paying off each of your bills. This is a viable solution for many people, especially when you are overrun by debt. Snowballing is better for those who have the money to pay, but like me, have made bad choices in the past about what to pay and when.

Hello there,

I am Mr chris peter.

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