Ive gone too far

Welcome to the forums. Take the free call you will be getting from the debt counelor. They deal with debt issues dailey and hopefully it can help. Keep posting and let us know your progress. Best Wishes Kyside38

Hi Mary. Welcome to the forums. We've all been there, and we're climbing our way back out. You will, too. Since you have registered here, a debt counselor in your area will be calling you and will go over the different options available to you. The best of luck to you.

Thank you so much. I can not tell you how long I have been looking for a site like this. It's nice to know you are not alone.

I will keep you updated

Mary---Welcome to our forum! Don't worry about gettting a loan right now as it will/could make your situation worse. Listen to the advice of the debt counselor and also read the forums and ask any questions. Best of Luck! Keep coming back--

Hi Mary

Find some of the options that can suit well in your situation.

http://www.debtconsolidationcare.com/debt-solution.html

$10,000 is a pretty good amount to be put in the consolidation plan. You will pay it at a lower interest rate and with most fees waived off. But depending upon your situation, if you are unable to afford the plan, debt settlement can be your next best move unless you want to take the extreme step and file bankruptcy. Are you getting calls from creditors/collection agencies? If yes, let them know that you are talking to a dmp company and they will be calling soon to discuss about the debts. Once you are enrolled in the plan, all collection calls will stop and your counselor will be dealing with the companies.

Hi Mary:

I have been in your situation before. I was too in $10,000 worth of debt and had to end up filing for bankruptcy in 2000, which was the worst possible thing that I could do considering it is on your credit report for ten years.

I would recommend that you consider debt counseling before you ever consider getting a loan. Trust me, I know. Another loan will only bring you trouble and despair and you will be in worst problems than you were before. You have come to the right place. These ladies and gents helped me out when I needed someone and didn't have anywhere to turn.

Hi Mary, welcome to the community. :lol:

Like everyone else said, it sounds like you could definitely benefit from consolidation. The counselor that calls you can point out some reputable companies.

Remember, you are never alone. Please browse the forums while you're waiting for that counselor to call, and post any questions you might have. We're here to help.

Hi everyone,

I just wanted to know if this is too good to be true. I spoke with a counselor yesteday & he sqaid the way its done is I pay him $215.00 the first draft, than the 2nd draft goes to my debt & so on & so on. He did not recommend a company he said that they have a lawyer who takes care of the credit card companies as far as a agreement goes.

I dont mean to be mistrusting but has everyone had a safe experience.