Credit card debt

[kristyjoy80]

Please help need advice I’m drowning in credit card debt I’m currently late on several cards pretty sure they are now closed I’ve called cc companies to claim hardship. I was thinking about credit counseling. I don’t know what option I will even have am I totally screwed?

 

 

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[XxRaVeNxX]

Are you not able to get a personal loan to lower your monthly payment?

[kristyjoy80]

No I tried doing that to consolidate before things got outta hand and couldn’t get approved


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[cv91915]

What have you done so far to reduce your monthly expenses and increase your income?

[kristyjoy80]

I’m looking for a part time 2nd job I cut off all cable reduced cell phone. Major problem that contributed was my now ex fiancé lost his job and we used up all the credit cards


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[dvd]

I would contact a non profit credit counseling service. They can get you on a payment plan and have your credit card interest reduced. Here is a link to a good one:

https://www.cccssf.org/services/debt.html

[kristyjoy80]

Thank u I will check it out


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[Txgirl]

We are using Greenpath and it’s been great! Started off with about $50k and down to $11k in debt

[Zanshiro]

I second the look for nonprofit counseling, and Greenpath I've seen many people have good results when using their services.

[socalrob]

On 7/12/2018 at 6:56 AM, Txgirl said:

We are using Greenpath and it’s been great! Started off with about $50k and down to $11k in debt

What did greenpath do to help you do that? I'm in 50k cc debt right now..

[vixer03]

On 9/2/2018 at 5:58 PM, socalrob said:

What did greenpath do to help you do that? I'm in 50k cc debt right now..

Interested in knowing also........

[radi8]

Greenpath generally has agreements in place with creditors to reduce interest rates, stop (and in some cases remove) late and over limit fees, and to cease collection activity as long as your plan is active.  Each lender is different, some reduce interest rates to zero, others are not as generous.  

But..the difference is often enough to bring your plan payment down to something manageable. 

Greenpath also offers budgeting help and advice. 

[Txgirl]

On 9/13/2018 at 12:02 AM, radi8 said:

Greenpath generally has agreements in place with creditors to reduce interest rates, stop (and in some cases remove) late and over limit fees, and to cease collection activity as long as your plan is active.  Each lender is different, some reduce interest rates to zero, others are not as generous.  

But..the difference is often enough to bring your plan payment down to something manageable. 

Greenpath also offers budgeting help and advice. 

👆 is what they do. Is call them and just inquire. We are right under $10k left and hubby’s score is 750 and mine 730 compared to what it was previously...650’s.