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i cant see a solution
November 26, 2008
4:52 pm
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newday1
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September 29, 2010
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hello everyone

i dont know what anyone can say about my situation that will make me feel better.

i am in so much debt,i was managing somehow to keep my head above water,but now today was awful cos ive had some new demands like out of the blue. i just feel im now going under so to speak. i mean its like i really need a break, something to come through for me,and in stead things are just getting worse and worse. i dont really wanna see tomoro if thats what its gonna be like.

give me back my old problems when all i used to think about and worry about was an ex boyfriend.

November 26, 2008
5:00 pm
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It No Longer Matters
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September 27, 2010
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Newday I can soooo relate. I was on the brink of filing bankruptcy back in April. Here are several things I did and that I would like to suggest.
First go to MyTotalMoneyMakeoverdotcom and rgister for the 7 day free trial. Do everything you can this weekend. Somewhere in all the downloads is a letter to your creditors helping you expalin what is going on in your life and that X is the amount you can afford to pay. He recommends paying housing and NESSESSITIES first then trickle everything else down. If you can only send $10 send it with the letter and each time you send a payment send the letter. The other thing I did was contact my creditors and explain my situation and asked them to settle with me. At first they will tell you no but if you don't pay them for a couple of months they will be more than willing to deal. Hold your ground...you CAN get out from under this. I KNOW it is OVERwhelming, but just this month I said goodby to Bank of America and Amex. You CAN do this. Let me know if I can help any other way.

Bitsy

November 26, 2008
5:07 pm
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newday1
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bitsy,thanks for your suggestions. i will look into it.

November 26, 2008
5:07 pm
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OH and another thing. If your debt ratio is already above 50 or 60% your credit score is already tanking so you may as well ride it down. I stopped mine at 504.

Bitsy

November 26, 2008
6:26 pm
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_anonymous
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September 30, 2010
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Newday- That is because the need for food, air, water and basic survival comes before love and affection.

You are not alone, with the soaring cost of food and gas, as well as housing. Most are trying to restructure their lives. The good news is if you stop paying on unsecured debt like credit cards it goes off of your record 7 years from the day you last pay on it then you can free up extra money to pay for things like a roof over your head, food in your mouth and gas.

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