Posted 12/4/2008 4:52 PM (GMT -6)

Hello Kristen,

This is Kitt.  You have done what many people have done and the banks have encouraged us and still send out mail for more credit cards.

Here is the best info I have for you.

you can get help from an organization like National Foundation for Credit Counseling NFCC has branches throughout the country; they are a non-profit, community organization that provides free and confidential debt management advice to anyone who needs it. You can even consult with them over the phone..

Like other debt consolidators, NFCC gets paid by creditors, so it's in their best interest to work out a repayment plan rather than advise you to declare bankruptcy. Not that you want to be advised to declare bankruptcy, but in certain cases it may be your best option.

NFCC makes no outlandish promises beyond the prospect of a saner financial life, and the possibility of qualifying for their low-rate mortgage program. They also offer low-cost financial planning --

http://www.nfcc.org/

 
I am sure there are lots of other good sites but don't fall for one that wants a huge fee, or you could pay for it with your credit card smhair .  There are a lot of scams going on now so be very careful.
 
Take Care
Kitt
 

Kitt, Co-Moderator: Anxiety/Panic & Depression
& GERD  Forums
*~*
http://www.healingwell.com/donate *~*
Not a mental health professional of any kind
It is health that is real wealth and not pieces of gold and silver.~Mahatma Gandhi~
Clickable Link: Anxiety-Panic Resources

Posted 12/5/2008 8:11 PM (GMT -6)

Hi. you have gotten some very good advice.  If you are still using your credit card you need to stop because you will not get it paid off if you keep running it up.  Also, if you received a notice from a collection agency about a medical bill try your hardest to work this out.  Get a payment plan that will work for you and they will agree to.  Having bad credit and a low credit score can keep you from anything from gettting a car loan to even renting an apartment to getting utility services. So do you best to work with a reputable credit counseling service.  I know how you feel - we are all in the same boat.  This economy is terrible and while we lose our jobs everyone is raising their prices. It seems like a no win situation for all of us.  I wish you the best and hope you can get things straightened out.  I know it is possible so just be sure to get the counseling. I hope you will let us know how you are getting along. Take care of yourself too.

Gentle hugs,

Aurora

Posted 12/6/2008 12:39 AM (GMT -6)
I was listening to the news this morning and they said that there was an average of job loss. That every five seconds, somebody loses a job. It is getting really scarey out there. I hope that things change when our new president takes office. But we know that it is going to take some time to fix this mess. So it wont be instantly. But I have faith that it will happen.

Best wishes to all,

Hugs, Karen
  Moderator-Depression and fibromyalgia
 
fibromyalgia, Chronic fatigue, depression,allergies

Posted 12/6/2008 11:22 AM (GMT -6)

The good news is the price of airfares is coming down.  the bad news is I have no money to spend on any trips.

I will survive.  ((((((((((((HUGS))))))))

Kitt


 

Kitt, Co-Moderator: Anxiety/Panic & Depression
& GERD  Forums
*~*
http://www.healingwell.com/donate *~*
Not a mental health professional of any kind
It is health that is real wealth and not pieces of gold and silver.~Mahatma Gandhi~
Clickable Link: Anxiety-Panic Resources

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