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Help Dealing With High Interest Credit Card Debt?

I cannot keep paying this credit card at 39%, what can I do?

By Joseph from Las Vegas, NV

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August 23, 20090 found this helpful
Best Answer

A credit counselor can help. They can take all of your unsecured debts and you will have one, much lower payment to make a month. They will get your interest reduced. Your accounts will be closed but if the object is to get out of debt, that's a good thing.

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August 23, 20090 found this helpful
Best Answer

Try first pleading with the credit card company and see if they will offer a reduced rate or some other plan. If you use a credit counselor make sure it's a non-profit one because the for profit ones are sharks :-(

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August 28, 20090 found this helpful
Best Answer

I finally had to declare bankruptcy, thinking I would be ruined for life, but I haven't been and it's been now eleven years. All I have now is a build up of undeserved medical bills I told each one in the beginning I could not pay, but who said it's ok anyway! I haven't ever had a credit card since, by choice.

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Try DIY bankruptcy, I hear it's both possible and works?

Good luck.
: )

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August 28, 20090 found this helpful

Just came across this and it might have some helpful info for you:

www.nytimes.com/.../22money.html?_r=1&partner=rss&emc...

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