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Credit counseling
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<blockquote data-quote="susiestar" data-source="post: 294025" data-attributes="member: 1233"><p>husband and I used Genus when we went through this. They handled everything very well - even the one credit card company that kept calling us at all hours of the day and night. It sure made a lot of things less stressful. </p><p></p><p>Your bank may also have some names that might help. </p><p></p><p>Be SURE that it is not one of the debt relief programs. </p><p></p><p>After the agreement with the credit counselor ALL payments should go through them. You might have to make a payment the very first billing cycle because it may take that long to get everything into the system.</p><p></p><p>If you make a payment to one of the creditors listed on the agreement, even a payment of $1), then you can be booted out of the program and your payments will skyrocket. MANY creditors will start hounding you to send a payment to them, the "we are buddies, I just want to save you a headache, I wouldn't ever steer a buddy wrong" kinds of pitches. </p><p></p><p>This is the time to tell people to call the credit counselor. You can also charge them with harassment if they continue to call. The credit counselling co will handle ALL of these calls - jsut get a name/id number and a call back number.</p><p></p><p>It was one of the best things we did in our entire marriage. It took 3 years but we did it!</p></blockquote><p></p>
[QUOTE="susiestar, post: 294025, member: 1233"] husband and I used Genus when we went through this. They handled everything very well - even the one credit card company that kept calling us at all hours of the day and night. It sure made a lot of things less stressful. Your bank may also have some names that might help. Be SURE that it is not one of the debt relief programs. After the agreement with the credit counselor ALL payments should go through them. You might have to make a payment the very first billing cycle because it may take that long to get everything into the system. If you make a payment to one of the creditors listed on the agreement, even a payment of $1), then you can be booted out of the program and your payments will skyrocket. MANY creditors will start hounding you to send a payment to them, the "we are buddies, I just want to save you a headache, I wouldn't ever steer a buddy wrong" kinds of pitches. This is the time to tell people to call the credit counselor. You can also charge them with harassment if they continue to call. The credit counselling co will handle ALL of these calls - jsut get a name/id number and a call back number. It was one of the best things we did in our entire marriage. It took 3 years but we did it! [/QUOTE]
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