Over my head

Hey Jodi Welcome to the forums. You have come to the right place for help. Register and have one of the debt counselors contact you. Did you take out payday loans? There is a light at the end of the tunnel. Things will get better I know its hard to see that right now but it does get better. Good Luck KYSIDE38

Kyside's right, Jody. Things will get better, and soon you'll be able to see that light. And the best part is, you have people here to guide and help you to get there. The best of luck to you!

Welcome to the Community, Jody :D You can recieve a wealth of information here, as well as support for what you are going through. Once I learned I wasn't alone and had others share how to deal with my debt problems, accept responsibility and learn how to repait my credit, it was like a big sigh of relief. I still have a ways to go, and my credit does too. But today it doesn't stress me out near as bad, and I know that things are getting better.It took time for me to get in this mess, and it takes time to get out of it. If you have any questions, feel free to ask..Karen

You can clear off your existing debts without being bothered of taking a new loan for this. The payment plans in the consolidation program are set as per your financial ability. You can make it as lower as it fits you. If the consolidation doesn't do the best, settlement can also be an option. There are various plans in the debt management program. Using one, you will have no worries about how to continue with the payments. Talk to a counselor first but don't go further taking a new loan and paying your existing debts. Your debt to income ratio will be seriously damaged. Have you thought about this?

Welcome Jody! Follow the advice you get here, keep your head up and hang in there...you will get through this! Things seem to start slowly, but once they get going, it will snowball and you'll get things cleared up quickly!

Good luck to you...you WILL get through this!