Try American Financial Services (AFS) online. I know it is a reputable company that can negotiate with your creditors for much lower interest rates. Gather all your bills together (credit cards, department store cards, etc.) and follow directions online - there will probably be a free phone number to call. You'll really be glad you did. It may take 3-5 years, but you CAN get out of debt. Don't despair and don't panic - there IS help out there. Best of luck.
The first thing to do is figure out how you got this way. Was it something like a medical emergency, or just buying out of control? You have to fix that first, or you'll never get a handle on this situation. Next, see how much you owe for one month (add it up on paper) and how much you will earn in that month. If you are short, you will have to sell something or get a temporary part-time job. If you are slightly long, pinch every penny and make payments as generous as you can on old debts. Pay off the debts with highest interest first, so you can apply that money to the next highest interest debt. If you can't stretch that far, negotiate. They're not going to break your legs or anything, are they? Maybe they'll take less, or stop charging interest. Above all, don't panic. If worst comes to worst, move to another country (joke).
i am not familiar with the availability of credit counseling in the phillipines. you can go online and check out credit counseling, credit help, financial counseling, and maybe some help under bankruptcy. good luck
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