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InvisibleVeritas
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Registered: 04/15/05
Posts: 11,089
Consumer Credit Counseling
    #7834817 - 01/05/08 09:33 AM (16 years, 27 days ago)

If you are in debt & sinking fast, I strongly recommend contacting CCCS.  For a small fee (@$25 last time I checked), they will review your budget, figure out what you can afford to pay each month for your debts, then negotiate low or no interest & smaller payments with your creditors.

Seven years ago, I was getting in to real trouble with credit card debt.  Having learned from my mother to spend beyond my means & hope that I'd have the $$ in the future (somehow), I was accumulating more debt every year. 

When my second son was born, I had an AHA! moment, and realized that I was creating a negative future for myself and my family.  I called CCCS for an appointment, and dealt with the scary experience of cutting up all of my credit cards in front of the counselor.  :eek:

Once the interest rates were lowered or eliminated, my monthly payments actually started to reduce my debt!  I was so encouraged by this that I found ways to pay more and more, and managed to put $1200 towards my debts within the first four months while staying current on all my other expenses.

Fast-forward seven years, and I am consumer debt-free, despite experiencing a divorce & my ex refusing to pay his share of our debts  OR any child support for our two kids.  The only way that this was possible was with the intervention of CCCS.  If I had continued to pay such high interest rates, with most of my payments going towards interest, I would still be in debt.

Paying interest = slavery
Earning interest = financial freedom


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