How much is your credit card debt?
How most is your credit label debt? we am usually extraordinary if i’m a usually a single out there with a significantly tall volume of credit label debt, (k). This debt has amassed over multiform of years by monetary hardship. we am perplexing my most appropriate to compensate it off, though it seems similar to i’m never gonna get out of this hole! I’m severely meditative of filing for bankruptcy! Anybody overcame this knowledge successfully but filing? By a way, i already spoke to a Credit Consumer Counseling as well as my payments would have been a same as i’m profitable now. =\
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Read this article http://customsites.yahoo.com/financiallyfit/finance/article-107752-2691-0-how-one-family-shed-106000-in-debt . These people had $100K in cc debt and paid it all off. So it’s possible and bankruptcy is not your only option. But you have to sacrifice a lot if you want to overcome it without bankruptcy.
Mine is close to zero, and always stays like that. The reason is that I don’t put anything on my credit card that I can’t pay back! It’s pretty easy.
I have average-high amount of credit card debts as well if its in my currency. Converted will be USD5k at least. But still i getting a hardtime to pay it.
After been reading and getting advises from different wise financial peoples, I finally come to a conclusion on how to pay it off (not fully 100% financial independence). Well at least to decrease your burden.
I applied personal loan (amount maybe vary as they will have to go through your financial background and your salary-wise before the bank approved your application) from bank with small interest. As compare to credit card interest is wayyyy higher than personal loan.
So once you got the money, pay off your credit cards debts and now you can pay off your personal loan slowly and with less interest depends on how long you can take. Some banks can go up to 7-10yrs payback.
Thats how i did back in my country and a few of my friends have tried this as well and they are not debt-free but at least credit card (evil) free.
Please also dont use so much different credit cards. I guess the max everyone should have is 3.
Anyone have other suggestion?
Maybe $3k, but we’ve had some unexpected medical bills as well as auto repairs that we had to pay off.
It wasn’t built up by buying shit we didn’t need.
It’s about 15k. I’m considering bankruptcy as well, but only because I know that the monthly payments I can afford are way below what a credit counselor would advise or what my creditors would accept, and my income isn’t changing anytime soon so there’s no chance of offering higher payments to them.
Since you have Credit Card i think we can work out something to enable you clear your debt but it will require your total commitment and honesty.
Get back to me and let us see how we can help each other.I promise if an agreement will be reached between both of us,in less that than one week you will clear your debt.
This is not unbelievable just get back to me and let us discuss.You can contact me through my email or messenger.Have a great day and God bless you.
Teddy.
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