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Need help on credit card debt

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3 replies to this topic

#1 cartman43

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Posted 10 January 2017 - 02:33 PM

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..

#2 breeze


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Posted 10 January 2017 - 03:14 PM

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.

#3 cartman43

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Posted 10 January 2017 - 03:28 PM

thanks..i can do same thing on my own..dont you think?


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Posted 18 March 2017 - 01:49 PM

Breeze, can you have those accts deleted with the OC while in the program

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