Need some advice about debt.?

I have tried every avenue know to man. I called several of my creditors to try and get finances charges lower as to which only one lowered and the other said I qualified for a loan of 50.000 dollars and they said they would have given me the loan if my debt would not have been lower by 5000.00 dollars. Then one agency wanted me to stop paying my debts and send them 975.00 dollars for 6 months and then they would pay my bills. Which I refused to do. The rest says I have to pay late so my creditors will consider me a hardship case. But what if that does not pan out. I have no idea what to do.The others want so much for a payment that I just can't afford it...Any advice?

If I understand correctly, you have overextended your self on credit cards and are trying to pay off the debt yourself. DON'T go into debt to pay of debt, that is even worse... and that company for $975.00 is bs. stay away from it... here ya go:

There are several steps you should take to get out of credit card debt. Paying off several thousand dollars or more in credit card debt takes time, so you must discipline yourself.

1) If you have several cards, your first goal is to pay off the card with the highest interest rate. This process is called laddering.

2) Pay more money toward that credit card and slightly less toward the other cards, and eventually you can rip it up. Then you move onto the next card, and so on, and so on...

3) One proven way to pay more toward the most expensive card -- and to get rid of it faster -- is to make a separate payment every 14 days to the credit card company. Mark your calendar every 14 days and write that check or send your online payment that day. Making a payment every 14 days equals one extra month's payment you've made at the end of the year. Work these payments around your statement cycle to avoid paying lates fees.


For help during the process, contact the NFCC at nfcc.org or call 800-388-2227. And, for more help getting out of debt, check out the book Invest in Yourself: Six Secrets to a Rich Life by Marc Eisenson.

www.nfcc.org

They are nonprofit, and they can help you. You are smart not to listen to other people you've talked to. They're trying to scam you.

be careful if you are considering one of those 'debt assistance' companies...many of them are predatory. Your best bet is to consolidate as much as you can, maybe on one of the no doubt countless 'pre-approved' offers you get in the mail. Then, pay the minimum on all cards, and put as much extra as you can on the one with the smallest balance/ lowest rate. Over time, this is a winning formula, as when one card finally goes away, that money can be added to the next one, and so on. I've been successful with a slight variation of this. Good luck.

google credit counseling. They can do wonders its not a loan they will work with your crediters

Contacting a credit counselor or credit counseling service should be your first choice. But you can even try contacting your lenders and attempt to reach some resolution. You may succeed for a short time, but you will never be free from their clutches. All you can get is the lower payment at higher interest and no freedom from the debt. This means you will never be free from the debt.
http://debt-trap.com/category/Consumer-C...

Hello Everybody,

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