What is the right way of fixing your credit/paying off your debt, without outside assistance?
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Why do you have two Morgages? Sell one of the houses, and use the money to pay your debts.
What is the right way of fixing your credit/paying off your debt, without outside assistance?Keep up the minimum payments on all, then put any available amount toward the highest interest rate items. With that much debt, you may need to look at getting second jobs for a while.
What is the right way of fixing your credit/paying off your debt, without outside assistance?call them and set a payment budget. u should set how much $ u can set apart to pay those bills and let them know payment is on the way
What is the right way of fixing your credit/paying off your debt, without outside assistance?Sell the cars, drive beaters for a while. Attack the smallest debts with those former car payments. Cut up the credit cards and change spending habits. Cook at home etc. They will all start to go away. Just takes time and conviction. Good luck..
What is the right way of fixing your credit/paying off your debt, without outside assistance?It is a lot easier to get into debt, than to get out. It sounds like you are on the right track, the train just doesn't move fast enough! Do not call creditors unless you are in REAL trouble. This can effect your credit scores negatively. What you may be able to do is call and ask them to reduce your interest rates, sometimes this will work. The other thing to do is watch the mail for 0% offers. But be careful of these, read the fine print, be aware of how long the offer lasts, what the interest rate is when the offer ends, be aware that any outstanding or purchase balances won't be paid off until the zero percent amounts are paid off, and if you use a new account to pay off an existing account, don't close the existing, just cut up the cards. Credit scores are funny things, if you have too much credit but low balances it can hurt you, but too much credit with moderate balances can help. Don't close accounts that you have had for awhile, the amount of time you have had the account is valuable to your score. After you begin to make changes I would suggest you go to "myfico.com" and sign up for a fee based service that monitors your credit score. It will notify you if anything happens to effect your score. Good luck, and don't be afraid to take your time.
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