In over my head
Date: Sat, 08/14/2010 - 22:02
I am in over my head up until now I have managed to make my payments by selling things I had I am now out of things to sell and I am not gonna have the money to make payments question is do I start looking now to do debt consolodation or bankruptcy or do you wait till they contact you. I have always been able to pay my bills till I lost a good job. I have a full time job now it just doesnt pay enough.
I would try for settlements, I did not know anything about them
I would try for settlements, I did not know anything about them until I got on this forum and now I have settled 3 of 4 cards.
Alone without the help of the settlement companies that charge you..
just search these forums and you can get a wealth of info.
Kaylee
You should definitely settle, i would wait until your 90 days la
You should definitely settle, i would wait until your 90 days late then start negotiating. I would state that you can only pay about 30% of the debt. They will start high by saying they will settle at 75-80%. Stick to your guns and they will come to you, I have settled numorous cards this way. Good Luck
