May 30, 2006 2:44pm CST
I need help!!!! I am in financial ruin. I am so over my head in debt that i don't even know where to start. I am way behind on all my bills and i am heading for bankruptcy. Can you help even if I am way behind??? I have creditors calling me constantly. I am so ashamed thart I have let this go this far. I realize that I need to take action rather than ignoring it.
• United States
24 Jun 06
Be careful of companies that say they'll get you out of debt. Sometimes they don't pay the bills until your credit is ruined. First, call evey credit card company and debtor and explain you may be going bankrupt. Ask if they'll reduce your debt or give you longer to pay and/or smaller payments. (If you don't ask, you won't get anything, so try.) If you own a home, try to get a loan of credit from your bank and pay off your bills. Then, quit spending and charging and pay off the bank loan. If you don't, you could lose your house. Or, will a relative or friend loan you the money? Pay them back! Get a second job. Get some jobs that will bring in money right away, like yard care, dog walking, a yard sale. Can you wife work or babysit?
• United States
30 May 06
www.incharge.org or NonProfitDebtSolutions.com Both of these debt solution companies can be of big help to you. They will consolidate your debt into one monthly payment that would be managable for you to pay and they will contact your creditors and get them to stop contacting you. At this point you will only have to be in contact with the debt solution company. Good Luck!
26 Oct 06
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