I'll know in a couple of months whether I'll need to file for bankruptcy, or whether I can pull things around.
In the meantime, I'm not able to pay the minimum amounts on my credit cards.
Is it best to at least pay something... say 25% of the minimum?
And how long will that keep the credit card companies at bay (they're already calling on the phone 5 times a day - I'm not answering - after I paid a smaller monthly amount instead of the minimum about 6 weeks ago).
If I go bankrupt, so be it. I don't need good credit for a loan, mortgage or new apartment.
My situation is way past tightening my belt, getting a second income etc... I'm already doing everything possible (debt consolidation etc).
Thanks for any advice on paying a smaller amount, and how long before they take the next step (and what would that be?)