Lots and lots of credit card debt……..I have enrolled myself in a Debt Management Plan to help me eliminate most of my debt… $35,000 of credit card debt…… I have some cards that were rejected in the plan so I need to tackle them on my own. Some of my accounts are current; some are WAY behind – but, luckily, being the DMP has kept collectors off my phone.
I have attached a worksheet that I use to try and understand how I got myself into such a crap hole…
Do I make current those accounts past due or do I pay off the small ones and work my way up. Paying off the small ones will help my debt/credit avail ratio but keeping late accounts will hurt me. What’s the best thing to do? Pay off and eliminate added interest or make current those accounts delinquent and possibly put other accounts past due? Oh, and bankruptcy is not an option – my husband will not go for it – unless we divorce….
If you have a credit or debt question you’d like to ask just use the online form. I’m happy to help you totally for free.Is Bankruptcy After Divorce and Option? - Mandy by Steve Rhode