I don't know what to do and this seem like a great place to start. I was in a auto accident in January (not my fault) that has left me unable to walk for a few months, because of surgeries and healing time. I am self employeed and have racked up A LOT of credit card debt. I need to know what is the best option for me to keep my head above water. I have been making the min. payments on time and stopped using them. The credit card companies have now started to raise the interest rates above 26% and I called them to lower the rates, but no luck.

Hi, I am new on the site, could someone explain how this all works. Thank you...kginup in northern mi.

Just an FYI, the spammers are causing old threads to be resurrected. I've seen several replies to such threads where the last real post is several months old.

I think that credit checks run by employers is bogus and should be illegal. People run into financial problem for many reasons other than just being a deadbeat. Illness, LAYOFF!!, and other issues. To me it is totally unfair for someone to be judged as a deadbeat by a potential employer based on bad credit. Credit Reports were originally designed to determine a persons eligibility for credit and to get loans, not to get a job. I think legislation should be put into place which bars employers from checking credit reports for the sole purpose of hiring someone.

Hopefully, this topic being stickied will help all of you that have found yourself here. The companies is this thread have been discussed and rediscussed more times than I want to think or care to discuss any further. Forgive my yelling that starts now: THIS WEBSITE IS NOT AFFILIATED WITH SECRET CASH CARD OR QUICK CARD SERVICE. IF YOU HAVE BEEN DEBITED BY EITHER OF THIS COMPANIES, YOU WILL NEED TO VISIT THEIR WEBSITES TO REQUEST A REFUND.