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{ 7 comments… read them below or add one }
Pay em…………you made em………………….
clip one credit card up…pay the minimums on the others, and make huge chunk payments on the clipped one until it is payed off…scrip on the large purchaces…stick to a budget…
make more money, do odd jobs, sell items on ebay that you dont use anymore, work overtime, ask for a raise, and spend the extra money on paying off debt, ask your CC companys to lower the interest rate, if all else fails declare bankruptcy…
Your best bet is to contact an attorney. First consultations are usually free….Make sure you have all your debt amounts with you and questions written down. 3 choices…pay them, file chapter 13 or chapter 7…bankruptcy depends on your income and how much debt you have. good luck! If you can pay them…goof for you…if not…bankruptcy would be your only option…either way…it all stays on your credit report 10 years
get a 2nd and 3rd job, get a roommate, cut off cable Tv and internet, stop spending money you don’t have
cut your expenses to the bone
get a second job, maybe a 3rd.
Pay every penny you can to these debts to 2 years.
Without knowing your situation or income, it’s hard to give advice. You can try looking for non profit credit counselours in your area and they can help you. If your situation is bad enough, bankruptcy can be an option.
I think you should contact a debt consolidation company coz they would negotiate with your creditors on the debts and would try to reduce it. The main advantage would be you would not have to contact the creditors now and them the company would do every thing for you only you have to pay a fixed amount every month.
Here is the source for your reference : http://ezconsolidation.com