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Where to begin?!

Date: Wed, 08/15/2007 - 11:28

Submitted by anonymous
on Wed, 08/15/2007 - 11:28

Posts: 202330 Credits: [Donate]

Total Replies: 7


I am in debt up to my eyeballs! I'm just not sure where to start. I owe about $20,000, in 6 credit cards, 2 payday loans and that amount is also including my car payment and student loan. Its just once I think that I'm ahead I get knocked back down and I'm tired of it. I'm tired of not being able to sleep and not being able to answer my phone for fear of collectors. I need help and fast. My roommate is actually moving out in about a year and I need to start looking for a place for myself but with my credit it's going to be close to impossible. I'm ready to buckle down and face this head on. I actually just got a wonderful new job and am hoping everything including my debt starts getting better with this website and people to help me. Please help I know that I can do it, I just don't know where to start! Thanks!


Welcome to the site,

Please list what state you are in, what you owe, the amount, is it in default and if so how long, are they payday loans internet and or store front. Please do not list any personal information or numbers. Hang in there, you have come to the right place and someone will be with you shortly.

thanks


lrhall41

Submitted by Lukeskywalker on Wed, 08/15/2007 - 15:39

( Posts: 1909 | Credits: )


List of Credit cards:
Kohls-$250.11
Chase-$581.68
Orchard-711.39
Capital One-731.66
Premier Card-237.93
Imagine Card-572.95
ameriloan (internet)-200.00?
One Click Cash (internet)-200.00?


lrhall41

Submitted by on Thu, 08/16/2007 - 05:12

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That is the list of credit cards and at bottom my two payday loans. I only requested $200 each from the payday loans and have tried repeatldy to contact them to find out how much I still owe but no one can contact me so I can actually pay them. All of the credit cards but Capital One and Imagine I have been making on time minimium payments on. My car and student loan I have been making on time payments also. I'm just tired of only making minimum payments on these cards thats they only thing. I live in NC also. :shock:


lrhall41

Submitted by on Thu, 08/16/2007 - 05:19

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here is alink for NC pay day loan info at http://www.paydayloaninfo.org/state_detail.cfm?id=NC As far as you cc go, have you contacted them and asked them if they will lower or drop your interest so you can pay them off? I have done this in the past and it has worked.

What I did was, for example-Pay as much as you can on your Kohls extra a month to get it paid off sooner. Then you take the money you were paying to Kohls, and apply that payment along with your regular payment to the next lowest one, and so on and so on. It helped me to see some progress faster. It was tough for a while, but it got me out of debt.

If you have questions, please ask...Karen


lrhall41

Submitted by Bossy4455 on Thu, 08/16/2007 - 08:52

( Posts: 5854 | Credits: )


I know of a couple of programs you can use, what kind of company do you work for anyway,


lrhall41

Submitted by on Wed, 10/03/2007 - 07:37

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