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Discussion in 'Credit Talk' started by Bryan74, Jul 16, 2001.
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Um...did you really mean it when you said you sold your house to dig yourself out?
I realized this is not the question you asked, but have you considered filing bankruptcy?
Bryan74 .....I would call my creditors and tell them of your situation. Most will negotiate with you so you can come to an agreement.
If they seem not to cooperative.... then you can let them know that you are at your last sting before filling Bankruptcy. This always ships them into shape and more than willing to help.
P.S. You get more flies with honey. So.. I would suggest not to Demand but come across VERY desperate... ;-)
Hope this helps.. keep us posted
Sorry to hear you and your wife have been having such a hard time.
I know you said you didn't want to consider services but the truth is, most creditors won't negotiate with you like that. I know you are concerned about your credit but if it's anything like you say, using CCCS won't tank you. At least they'll stop charging over-the-limit fees, and most will stop charging interest all together OR reduce it.
After you pay off each card, as them to remove any notation regarding being in CCCS from your credit report.
Or like the other poster said, file for bankruptcy. It's difficult to be in such turmoil and it CAN and WILL make you ill.
Whatever you do, please take care of yourselves.