Help!! I currently have a ton of debt

If you gave your phone number at signup, you should get a call soon from a credit counselor. You don't have to use them, but whatever company you go with, make sure you check them out thoroughly--BBB, this website, your state's consumer protection agency, etc...you don't want to get ripped off.

Perhaps some of the members of this forum can help with your PDLs, a lot of debt management companies are unable to work with them. You'd have to post details about that portion, though.

When you sign up for this site, within I believe but don't quote me 24 hours, a debt counseler will call you and assist you for free to go over your debt. I'm sure they will be very helpful and help you through this situation. I currently just signed up a few days ago and have already started working with a company who is consolidating all of my payday loans, both internet and storefront to help me get back on my feet with a lower monthly payment. You have come to the right place. I know when I first joined I had been having trouble sleeping at night, thinking about all my debt was making me sick. I feel so much better already! I'm sure you will too, just give it some time.

I am guessing you have filled up the free counseling application form with your name and phone number. Someone is going to call you and discuss about your debts. While you wait for the call, see the options you have in the debt management program.

First of all, calm down. You do not have tons of debt. What kind of credit cards do you have? Do you know the interest rates on them? Have you consider working out a payment plan with these companies so that you can pay off your debt and still live.

Stop saying that you have tons and tons of debt. You have come to the right place for help. Now start saying that you are about to get out of debt and you will once you have picked out the right plan for you.

I would recommend that you try some of the methods on this message board such as the Do It Yourself method. If you choose to participate in a debt consolidation program from a debt consolidation company. They usually charge a fee so be careful on the one that you choose.

Now, stop saying that you are in debt. Say you are getting out of debt.

Hope that this helps you.