Getting out of debt and rebuilding my credit.

Hello rjstar20 and welcome to the community! :) You might want to take advantage of the Free consultation offered, just click on the link below "Our Services" to the right of this page, it's free. :)

I am sorry to hear about your hardship rjstar20 . I can kinda relate to your situation.

It sounds like you are obviously overextended and experiencing a hardship.It really sounds like a debt settlement program might be your best option.
It is an aggressive hardship program and best for consumers that don't qualify for debt management, can't continue paying minimum payments, can't borrow to pay off debts and don't want to file bankruptcy. Simply explained, the Settlement Company will work with you to establish a savings program that will be used to pay off your debts over a period of two to three years. You will have one monthly payment and the amount you will pay back is typically between 40% and 50% of the amount owed when you joined the program. This of a great option if you are overextended and your bills are about to start falling behind or already behind. This program does hurt your fico score because the accounts will have to be delinquent to get the creditors to settle for less. However if you are a good candidate for this type of program your accounts are already or about to be delinquent anyways.This will get you out of debt very fast and once completed it will put you in a prime position to reestablish your credit. Most importantly will keep you from having to file bankruptcy.

I suggest when shopping around with different company's and programs to please be sure to look them up with the BBB to make sure they have a good track record. Also be sure they are members of TASC or USOBA. This site offers free counseling if you want to explore your options. The # 800-601-1579.
Very Happy Hang . I know it seems overwhelming but you will get through this .