“Dear Steve,
I am about $8000 in credit card debt and behind on payments. My interest rates went through the roof and I just cant seem to get ahead on the payments. This all started as a result of two job layoffs and backed up unemployment benefits. I now have a steady job but dont make the money I was and just cant affort the giant monthly payments associated with this credit card and still put food on the table and keep the lights on. Please shed some light on a company/bank that is willing to work with me, I have an excellent history with ontime payments up until about 6 months ago, and I intend to keep it that way, just need to get out between this rock and a hard place.
Thanks
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Scott”
Dear Scott,
If you were not behind on your payments I’d suggest LendingClub.com, a peer-to-peer lending network that cuts out the banks. But since you are behind your credit score has probably already taken a hit and so I’m not confident about you getting approved.
The best alternative path for you now is to click here to find a local bankruptcy attorney you like. Make an appointment and go in and talk to them. Bankruptcy will give you protection from your creditors and a fresh start. Something no other solution can do.
