90K and need to get back to 0
Date: Mon, 05/24/2010 - 10:58
I have the following debts on unsecured credit
18K (personal loan)
24K (CC)
6K (CC)
10K (CC)
10K (CC)
14K (CC) BoA - my name
4K (CC) BoA - my wife's name (10 k limit)
I am just becoming late on these bills as of this month. I need to resolve this - either put them all in a DMP or attack them individually. My DMP sounds pretty good, $1900 for 47 months.
I have two BoA cards as noted, and my DM contact is telling me that BoA won't let me keep one of the cards out of the program. I'm thinking my only option is to keep the BoA cards out of the program and go directly to them. But will they even talk to me if I'm not even late with my payment (yet)?
18K (personal loan)
24K (CC)
6K (CC)
10K (CC)
10K (CC)
14K (CC) BoA - my name
4K (CC) BoA - my wife's name (10 k limit)
I am just becoming late on these bills as of this month. I need to resolve this - either put them all in a DMP or attack them individually. My DMP sounds pretty good, $1900 for 47 months.
I have two BoA cards as noted, and my DM contact is telling me that BoA won't let me keep one of the cards out of the program. I'm thinking my only option is to keep the BoA cards out of the program and go directly to them. But will they even talk to me if I'm not even late with my payment (yet)?
You can check with BOA if they would let you avail their hardshi
You can check with BOA if they would let you avail their hardship program. Settlement wouldn't be your option till you stay current on the account. But defaulting would affect your score badly.
