In the hole

Welcome to the forum! Can you tell us more about your situation? You'll find a lot of support and advice on this site. Also, you are entitled to a free consultation with a debt counselor when you registered with this forum. A counselor should be contacting you shortly. They can discuss your situation and explain the options available to get you back on track.

Welcome :D As the Guest said,someone will contact you and discuss your options with you concerning your debt. If you can give more info,we may be able to guide you in the right direction. All of us have,or are,been in that deep hole,but with some guidance and help.we are learnig how to climb out,and not fall back in! Good Luck-keep us posted...Karen

It is just that the high interest rates on these credit cards overwhelm you. I thought I would be able to catch up, but could not. Life's costs just kept coming and coming. I considered bankruptcy because it was the only option I knew about. I have a job and intended to pay the debt off.

Bankruptcy is also one way of credit repair for some people. Although the consequences can be negative for the next few years, but the existing debts are simply discharged. There won't be any hassle of paying them back. Before you finally consider bankruptcy, look into other favorable options like a debt consolidation or a debt settlement.

The interest charges are making your payments tougher. A consolidation plan will allow you to pay off the debts at lower interest rates. Besides, some late payment fees can also be waived off. The total amount of debt will minimize by a large sum. Talk with a debt counselor for your options before you finally decide your next move.

debt settlement14 will also sound good if consolidation is not the option for you. This is just the program between the consolidation and the bankruptcy. The payments in the settlement plan will be lower than the consolidation program. If you are finally decided with filing bankruptcy, consider this option of settling your debts. In most cases, it sounds helpful

Have a look at this thread and see if it clears things up http://www.debtconsolidationcare.com/personal-bankruptcy.html Bankruptcy should be considered last, especially when there may be other options. Good Luck...KAren

oops,sorry Passion,guess we were posting at the same time!...Karen

I Work daily nad tried to work a second it was over wheming do not want to file bankruptcy that is the Hope there is a easy way out I want to pay my bills. Called a couple ccc and they state they can not help me I have not gotten behind yet.Filed for bankuptcy in 1996 and gotten a new start now I am back where I started ten years ago.

Welcome Salem :D I don't know if it's an easy way out or not,but someone will contact you for your free credit consultation soon.Consolidation is a great benefit and hopefully get you on the right track. Many of us have fallen into the debt trap more than once,the point is, now I am willing to look at my pat decisions and mistakes,and not do them again. But there are times you gotta do what you can do just to survive,but here,you will find help and hope. Good Luck...Karen :D