Consumer Credit Counseling
Years ago, when I found myself deep in debt to the tune of about $10,000 from college books, partying, car fixing and everything else under the sun, and nothing to fall back on except credit cards, I thought it was hopeless and I would never be completely out of credit card debt. I had a couple of high interest cards too, so it seemed like paying over the minimum was futile since the balances still never seemed to budge under the weight of excessive interest rates.
Then, about five years ago, I consulted the biggest nonprofit consumer credit foundation - Consumer Credit Counseling, or as I call it CCC. The friendly counselor was an older guy, I remember him because he had a bit of an accent and his last name was Houston, pronounced like “House” then “ton”.
Anyways, he set me up on a payment plan of $210 every month, and negotiated the interest rates with each of my credit cards individually. About 4 years later, and 50 money orders later, I was debt free. At least from the first round of debt. Sad thing is, as I was paying off that debt, I racked up a little more! TO be continued….
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Comment by commercial van insurance uk — July 15, 2006 @ 11:39 am
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Comment by corporate finance — July 18, 2006 @ 11:08 pm
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Comment by card game rules — July 20, 2006 @ 1:37 pm
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Comment by financial personal planning — August 1, 2006 @ 12:30 am
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Comment by ppc bid management — August 2, 2006 @ 12:48 am