Dumb

Many of us can understand that situation, but we need a little more in order to help you. What are you needing help with? Payday loans, credit card debt....? There are many people here that can point you in the right direction, but just need a little more info. Also if you signed up for you, a debt counselor will contact you in reference to your debts. This is free and it is up to you whether or not you use the company that calls. As someone has stated on this forum before, make sure you check out whatever company you decide to use. Without knowing a little more, do not know if you need debt settlement or debt consolidation or what. Provide a little more and also welcome to the forums.

Welcome aboard...like 2nband said we are all here to help but we can't do that without more information. Many of us have been in the same situation for whatever reasons. Just give us more info about your debts and we will try to guide you in the right direction.

Oh yes we have! My past year has been a nightmare with buying a house, having surgery, getting behind, getting into the pdl cycle, etc. Finially starting to make a little progress, but now this stuff with my heart has come up and another wait and see with that! But in the mean time, just taking one day at a time. David ~ you title said dumb, but don't feel that way. Life happens and there is nothing you can do about it. You need to hang in there, provide us with a little more infor and lets see what we can do to point you in the right direction to getting yourself out of the hole that you are it.