I need some advice

johnita I've worked with a Credit Councilling Service before with very good results. I would definitely recommend that. You might also call Chase and ask them to waive that late charge, all they can say is no, and the sooner you call about it and let them know you are aware, the more likely they will do that for you. :)

Also you can check out with the services offered by this site. You can enroll yourself for the free financial consultation to check what they have to offer. They might even help you to negotiate with your creditors.

However, before looking for any professional help, give it a try yourself. Talk to chase and request them to waive the late charges.

I have more debts more than my salary and does not know what to do when I have my salary. Can you give me an advice please.

Hello oteng mashaba, I am sorry to hear of your hardship. Since I don't know the details of your problem it's hard for me to elaborate in length. The only advice I can give you at this time is to try to negotiate with your creditors to lower your payments due to a financial hardship, and/or get a second part time job to help. You might also want to become a member here so you can take advantage of a free consultation. Good luck.