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The Watercooler
Need your advice on $ problems
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<blockquote data-quote="Steely" data-source="post: 159677" data-attributes="member: 3301"><p>Gosh, all so confusing.</p><p></p><p>Fran, yes, you are right. I have to pay these off. However, <em>how</em> is the operative word. I have NO extra money right now, to make any sort of payment to anyone. I am just surviving, with utilities and food, etc. I know - I messed up. Big time.</p><p></p><p>20K does not cover it, but it is a start - and maybe I could negotiate the CC companies down to a settlement price. It would look better on my credit if my cards were not "settled", but paid in full - but regardless my credit is permanently altered. I did not ask the counselor about bankruptcy - but since I own a house - I am thinking I do not qualify anyway.</p><p></p><p>I guess I should pay what I can on the debt, put a little in savings, and save for another year or two until I can afford to buy cash for a car.</p></blockquote><p></p>
[QUOTE="Steely, post: 159677, member: 3301"] Gosh, all so confusing. Fran, yes, you are right. I have to pay these off. However, [I]how[/I] is the operative word. I have NO extra money right now, to make any sort of payment to anyone. I am just surviving, with utilities and food, etc. I know - I messed up. Big time. 20K does not cover it, but it is a start - and maybe I could negotiate the CC companies down to a settlement price. It would look better on my credit if my cards were not "settled", but paid in full - but regardless my credit is permanently altered. I did not ask the counselor about bankruptcy - but since I own a house - I am thinking I do not qualify anyway. I guess I should pay what I can on the debt, put a little in savings, and save for another year or two until I can afford to buy cash for a car. [/QUOTE]
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