Have any of you been in debt up to ur eyeballs!?? ugh...well I am...how do you get out??
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Jesus, that is some list. When you are that irresponsible, you might as well declare bankruptcy.
Have any of you been in debt up to ur eyeballs!?? ugh...well I am...how do you get out??Cut up all credit cards you have left now. Pay one off now if possible and cut up the card but keep the account open for the future. Remmber the number to get a replacemnt card in a year or so.
Make the payments to the student loan. Consolidate if you have not.
Forget the payday loan for now if its unsecured.
Pay the court fine by all means. Work out payment agreement if possible.
Forget the personal loan if unsecured, for now.
Forget the apartment debit for now.
Do not pay on any credit card and don't bother to call them. They mght give you three months but it will not help.
Other than the court and student loan save all of the money you might have paid the cards etc.
Collectors will call. Hang up on them for awhile. After two months talk to them and offer to pay 25% if you can to clear debt. Else offer to pay $20 or $30 per month with no interest until the debit is retired. If they don't want to play then let them send it to a collector. Make small offers to pay by month or 25% of total for payoff if you have saved enough from what you were sending them. DO NOT SEND A PENNY UNTIL THEY SEND YOU A LETTER ACCEPTING YOUR OFFERS. If you do they will hound you for every penny and you have gained nothing. Keep at it until you have very low payments and no interest or settle for pennies on the dollar on every single debt.
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