I am confused with my bills to be paid

I know the feeling Nichole. If you put off one bill to pay another it just doubles the next month and then you are farther into the hole. When I get behind, I try to give up some things for a couple of months; like going out to eat and extra things like that. Cash in cans...roll pennies...and only buy the essentials. I gave up drinking coffee at D & D's for a month and saved myself over 40 dollars. If you do little things like that you can catch up and hopefully get back on track.

GOOD LUCK! :)

Oh and also...are you familiar with the debtcc points system? If not follow this internal link:

http://forums.debtcc.com/forums/about553.html

I have huge credit card debt and some personal loan debt close to $85000. Due to this, my credit score is also much lower. All these times, I have not missed any payments, but since the last 5 years, I am facing big problems. I am in need of some urgent help. I am going bankrupt and don't want to hurt my credit like this. I am not able to concentrate on anything since its killing me. My husband is yelling at me as he considers it to be my fault. Recently, we gave birth to our second child we have got screwed big time. Kept taking new credit not thinking how much it will cost every month. Can you please offer me some help

Hi Nancy3

If you are making regular payment, then I think that your credit scores might be good somehow. Are you using the credit cards now? The payments must be very huge at this time. I recommend using a consolidation program to make your payment process easier. This will help you to float out of the credit card and other personal loans.

You can get some advice from the financial experts of this site. They will negotiate with your creditors and reduce the total amount of your debt. This program will be the only way to catch hold of your debt and see it shrinking by making regular payments.

Nancy

You need to follow some tight budgeting from now onwards. Live on cash as much as possible so that you don't let this debt amount scourge you.

Take some professional advice so that you find ways to reduce the total amount. Also, this program will be a great help to you because the consultant will be negotiating with your creditors and reduce the financial charges, late fees from it. So, going by your financial situation, you will be offered some easy repayment options. You can choose the plan that best suits to your present needs.

http://www.debtconsolidationcare.com/benefits.html

You need to take control of your debt as early as possible. Please use the sign up form to get in touch with the consultant and have a thorough discussion.

Don't worry much. Everything will be fine. Welcome to the board! :D

Regards
Roxette