Digest Number 334

I am able to pay the monthly amount on my credit card statement now, but cannot catch up because of overdue and overlimit charges. I am not sure what to do here.

I was where you were at. I did talk to the CC company and got a 0% interest rate for 5 yrs…The payment I make is what it will be to pay it off in 5 yrs. Very hard…but well worth it to me.

I have spent the last 3 months dealing with this. I honestly think it just depends on who you talk to. Some had nothing to offer…one lied to me, and didn’t end up helping at all….

I told them the truth…I feel like any payment I make is just a waste of my $$…since it will only pay late fee’s or over the limit charges. I might as well keep those $$ and eat for that month! I also told them that I needed an offer that looked better than Bankruptcy…

Now..I don’ot know if it was the right thing I did…but I am very happy. I am paying my debt…but cutting my payment WAY down. It is something I can achieve…it will be very hard…lots of rice and beans for dinner…but I feel it’s worth it for me.