Debt Settlement companys pressureing me
Date: Mon, 04/21/2008 - 20:43
I am getting calls left and right from debt settlement companies, all seem to put a lot of pressure on me to sign up with them. there must be good money to be made by them because they are almost as bad as the all the calls I get from debt collectors. I am sick of them all and can't make up my mind to try settlement, working with my creditors or filing bankruptcy again. I file a chapter 13 4 years ago, I have one year to go on that. How did I get myself in such a mess again? I had some medical problems and got behind on my bills, things snowballed out of control from there. I am scared to call my BK attorney because I am ashamed that I got into this mess again and also I read my handbook the court gave me when I filed BK and I did not see the part about not getting any more Credit Cards. So now I am scared I will get in trouble with the court too.
I have read everyones post on here until I can hardly see anymore. I have searched all the debt settlement companies and the more I read the more it seems that it might be best to try to get my creditors to work with me.
I have payday loans in these amounts, does not include any of their fees.
Need Speedy Cash 300
Amerisure 1,000
Payday max 300
Discount Advance 300
One click cash 300
Fast Cash 911 300
E payday loan 300
Arrowhead financial 300
I am trying to work with all of them and plan to pay then off one by one until I am done with them.
On top of that I have 25 grand in credit card debt. I am behind on all of them. the biggest one I have I owe 18,000 to. I spoke to them and they will lower my interest.
I am confused, scared and I honestly want to do the right thing and pay my debts. but when you get this far behind, you only have so much paycheck to go around...
I appreciate reading all the postings on here. I am beginning to think that Debt Settlement is not a good idea. Money that could be used to pay on my credit cards.
I have read everyones post on here until I can hardly see anymore. I have searched all the debt settlement companies and the more I read the more it seems that it might be best to try to get my creditors to work with me.
I have payday loans in these amounts, does not include any of their fees.
Need Speedy Cash 300
Amerisure 1,000
Payday max 300
Discount Advance 300
One click cash 300
Fast Cash 911 300
E payday loan 300
Arrowhead financial 300
I am trying to work with all of them and plan to pay then off one by one until I am done with them.
On top of that I have 25 grand in credit card debt. I am behind on all of them. the biggest one I have I owe 18,000 to. I spoke to them and they will lower my interest.
I am confused, scared and I honestly want to do the right thing and pay my debts. but when you get this far behind, you only have so much paycheck to go around...
I appreciate reading all the postings on here. I am beginning to think that Debt Settlement is not a good idea. Money that could be used to pay on my credit cards.
I agree that it could be quite horrifying when the debt settleme
I agree that it could be quite horrifying when the debt settlement companies start pushing you to join their programs. It ought to reduce your faith on the system. But debt settlement can actually reduce your debt burden by 30% to 50%( as they promise) if you sign up with a reliable settlement firm.
Its great that you want to settle with the pdl companies, but check out their status with your state's laws. Many governments have disallowed any form pdl businesses in their respective states.
