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10,000$ in cc debt. Options?
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Ruchy




 
 
 
 

Post Sat, Oct 31 2020, 11:57 pm
amother [ Mistyrose ] wrote:
Do you mean by budgeting and cutting back on other expenses?


It's more about creating a spending plan and coming up together with creative solutions.
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amother




Slateblue
 

Post Mon, Nov 02 2020, 5:56 pm
We just did it with a company called bye bye apr. You can Google for phone number.
It took longer than originally promised, and I was skeptical to begin with, but they did come through, and we just got a letter from the bank telling us that the interest rate went down to zero percent. We did have to commit to a specific monthly payment.
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amother




Rose
 

Post Mon, Nov 02 2020, 6:29 pm
yksraya wrote:
Maybe ask them for a settlement given you have a lump sum payment for them. They might agree. Just make sure to ask them to send you a letter stating it's paid in full, as that may aid in better credit score. Good luck.

No. Don’t do this. You end up paying taxes on the part of debt they forgive
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