my story

I am a 60 year old lady, very active and have owned a beauty shop, tanning beds for 42 years. I have always made enough for spending money of my own and help pay some things for our home. The last 5 years my husband got sick and I had to cut back to help take care of him. I had things to happen in my shop that caused me to be out of money that I could not afford ,because of me having to cut back. I ended up using credit cards and got in debt of around 10 to 12 thousand dollars. Now I can not find a hairdresser to take my salon and I am not able to work except for 2 days a week and that is not enough to make payments on credit cards. I barely make the mimium payment. I called square one debt and they talked me into joining them. 230.00 dollars a month for 3 months for them. Then 12 months of 170.00 and they get 86.00 of that. Then 170.00 a month for another 12 months. That is suppose to pay off 11,500.00. Now I thouht about the up front fee they are charging and I am scared. I have 30 days to decide and that was up october the 13th. I have let them take out the first 230.00. I want out with them and don't know what to do. I am afraid after they get their money they will forget about me and I am afraid of getting sued and oweing lots more. I have enough problems without adding more finanical burden. Can anyone help me to make a decision. I can not even think right anymore. '

thanks so much, donna