I received a letter much like what Ive seen here on your website.
I may have gone too far with them and given them too much info. Especially if they are a tricky collection scam.
Not sure how to proceed.
I have fallen behind in my credit card payments for one card do to an unforeseen medical problem. I am starting to get back to work, but am so far behind Im not sure how to recover. That desperation is what lead me to open that letter. Now I dont know what to do.
I’m always suspicious when someone is sending you a marketing offer to deal with your debt.
What did the mailer or call with them promise you?
Let’s start with the basics.
I’d suggest you first read How to Get Out of Debt. The Honest and Unvarnished Truth and The Truth About The Success Rates, Failure Rates and Completion Rates of Credit Counseling, Debt Settlement, and Bankruptcy. They will give you a great overview of what we need to deal with to get you moving in the right direction.
Then use the free How to Get Out of Debt Calculator to review your options.
After that, come back here and comment about what seems to make the most sense and let’s discuss that.
Does that sound like a reasonable approach?
Please post your responses and follow-up messages to me on this in the comments section below.