mommy

Hi Ashley! Welcome to the forum, and congratulations on becoming a mom. It's the best! You are very wise to try and get your debts under control before the baby comes, because afterwards, you'll have your hands full and won't have the time or mindset to be worrying about your debt.

If you entered all of your details when you registered with the forum, a debt counselor should be contacting you shortly for a free, no-obligation debt consultation. The counselor can discuss your situation and explain the available options. Depending on how much you owe, and your circumstances, you might be advised to put your debts in a debt consolidation program. The consolidation company will, in most cases, be able to get the credit card company to lower your interest rate and waive late and overlimit fees after you've made a certain number of payments. They can also set up a payment plan to take care of your cell phone bill as well. You would make one affordable monthly payment to the consolidation company, and they would disburse the payments to your creditors.