Long story short life had some unexpected bumps and I ended up getting buried in a 38k in debt. It's a combination of installment loans, online lines of credit, payday type loans, and credit cards. I had no idea what I was doing at the time and can't say I know much more now. I attached a pic of what it generally looks like. My income isn't terrible as I take home about 5200/month, but this has gotten out of hand and I am past due on all of them (around 60 days I think) so of course my phone is going off the hook which I could care less about, but I am hoping that maybe someone here might be able to educate me here a little bit as to what my options are.
I do not qualify for bankruptcy and would prefer to avoid that route to begin with and debt settlement does not sound very convincing from what I have read on it. I have been in touch with a few debt management companies about enrolling in a debt payment plan which so far seems to be my best route (another thing I know nothing about).
Out of all the companies I spoke to Money Management Inc. seems to be the only one that can actually help with ALL of my accounts, but also be able to make it the most affordable.
Just on another note one of the accounts "CashCo" has been the only one to serve me with papers so far and that came after I wrote an email to their Senior Vice President after discovering that the manager of the branch had lied to me about an insurance policy on the loan telling me that it was required to get the loan and I could not have the money without it and later discovered not only was a complete lie but it was actually a life insurance policy on me that paid out to CashCo. During my application process in their office I declined to share my work phone number to which the manager said that the number is only used for verification purposes and that nobody would ever for ANY reason call there. In less than 30 days she had called my place of work multiple times and the one time I actually did speak to here from there I told her she was not allowed to call me there to which she replied "I can call my clients anytime and anywhere I want"
I have filed complaints with the Attorney General, Consumer Financial Protection Bureau, and Better Business Bureau against CashCo.
Any advice is greatly appreciated. If there is any type of expert or someone with any more knowledge than me (not hard to be) with DMP that might look over the one I am considering would be very helpful too.
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