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cv91915 has set up a Go Fund Me page to take donations that will be used for flowers for breeze's memorial, and excess will be donated to a cancer charity in breeze's name.  If you'd like to participate, please go here:  https://www.gofundme.com/breeze-memorial .  If you have any questions about donating or the GFM, please reach out to cv91915.  
Sunday, unexpectedly, we lost one of our own.  After a sudden diagnosis of liver cancer just two days before, our very own mama Breeze lost her battle with this disease and passed away on Sunday afternoon.   She passed peacefully surrounded by her family.
We know that many of you will be as devastated as we are to learn of this, and we know that you will share in our grief.  We will be in the Feedback forum with you, sharing our memories and our tears.  We encourage you to join us there.
We started on this journey fifteen years ago - breeze, Pam, LKH, and radi8.  Through everything that has transpired over the past fifteen years, we have always remained family - and Mama breeze was an integral part of that family.  We will be posting additional information here, as much as we can while still respecting her desire for privacy and anonymity.  For now, while we process our grief, we will close this notice with Godspeed, Mama.  We miss you so much already.


- Pam, LKH, radi8, Marv

- the mods and forum leads

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Need help on credit card debt

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Hi to everyone im new here and was hoping for guidance by someone who has went through this before.

I had a good job but started having alot of health issues that made me go on permanent disability. You can understand how this effected my income. There is no way i can afford my current cc payments and be able to live. I could however make it,i believe, if i could get on some kind of hardship program to lower my min.. I have cards with citi,chase,capital one, credit one bank,which is terrible,by the way, hd.. to a tune of 20k.Can anyone help me out here?Maybe tell me what i could say to them when i call or what not to say or just some advice..

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There are several good non-profit credit counseling services you could contact, to see if you qualify. I know Greenpath is one. Some other members can refer you to others. Just don't go to the ones who advertise that you can settle your debt through them, they are not even worth a phone call, they are a rip off in the long run, and they are not honest about how their programs work. They wil ruin your credit for a long long time to come.


Legitimate credit counseling does affect your credit during the time you are in the program, because they note participation on your credit report; however, once you complete the program, the notation is removed and many banks will give you a new card and a chance to rebuild your credit. You will have to close the cards that are enrolled in the program.

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