how to handle credit card debt..reduce payment, finance charge current on payment..?
Friday, September 25th, 2009 at
5:07 pm
ԁο i file bankruptcy οr try tο deal wіtһ credit cards ,
glanced thru аחѕwеrѕ… WAMU….CHASE.
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Tagged with: Bankruptcy Credit • Chase • credit card debt • credit cards • Credit Debt • current • Finance Charge • Payment Finance • Wamu
Filed under: How To
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Call each of the debts and try to get the interest lowered. Then decrease your expenses. Don’t eat out. Get rid of the cable. Get rid of the cell phone. Etc.
Increase income.
Then, make the minimum payments on each debt. On the one with the lowest balance, put all your extra money to it. When you pay it off (which should happen quickly if you truly dive in) then take all the money you were paying to that debt and start paying it to the next lowest balance. Continue this "debt snowball" until everything is paid off.
Then NEVER USE DEBT again unless you can pay your balance in full every single month.
There is no one that can do this for you. You can’t BORROW your way out of DEBT. Debt Consolidation just charges you money to do what you can do your self.
Go to the library and check out Dave Ramsey’s book! Check him out on the internet, listen to him on the radio, attend a class at church, or watch him on television. He will get you motivated.