My wife and I have 30,000 in credit card debt. We were fine until I lost my job and had to take a job making less money. We also had twins during this time. Right now we are stable but because we did not pay any of our bills for 3+ months, we have no way of catching up. We can only afford $200 a month payments to start. We are working very hard to bring in more money.

When I moved a year ago, I was jobless x2 mos. This put every loan I had plus 2 credit cards onto the backburner as my primary concern was survival. Now I am in a position to begin repayment, have caught up on my loans, can support myself and pay rent, have paid 1 CC down, but have not yet paid it off. I have 2 other credit cards that I want to pay off, and they are the problems: 2 Capitol 1 accts: C1A and C1B... C1A is still with Capitol 1. We have set up payment arrangements, and we will be in close contact until the account is paid off. C1B is the issue.

do you also take dr.bills as part of debts and how much debt do you need to have before filing?

my husband and I have over 20,000 in credit card debt. We pay more than 600 month on minimum payments. We make about $1000 per month. Please help and point us the the right direction. We don't want to file for bankruptcy!!

where can i get information on how to apply for debt consolidation?

Other consumer credit companies have told me they do not deal with payday loan companies. How can you?

I moved to Canada a few months ago and still have unpaid credit cards (medical bills) in US for total amount around $7000. I am not looking to return to US. This is not big amount for the credit cards companies and it doesn't look like a big amount of money to search the person outside of US. Do you think they can find me in Canada or will look for me in Canada? If I will buy a property in Canada can the US creditors somehow arrest my property and sale it to get the payment? What are my chances to be found in Canada? I appreciate you help, Joe.

My credit is horrible. We went through bankruptcy 3 years ago... then we got 7 high interest credit cards with low balances... now we are over limit and late can you help me?

does this mean help wtih payday loans also

I have no useable collateral but have alot of debt,would a consolidation loan still be available???