She has a nasty habit of using her credit cards for everything from gas to groceries and usually pays most of it off when her statement comes but when gas went through the roof, she couldn’t do that. Now she’s in over her head. Not to mention, the credit card companies want such high monthly payments now that she’s gotten herself in a bind.
I told her she needs to check into some sort of Debt Settlement and they can help her to get through this rough spot she’s hit in the road. It can happen to anyone and these guys help in more ways than most. They will help keep you from having to file bankruptcy which is where she’s headed if she doesn’t do something soon.
They’ll help her to lower her monthly payments by fixing it to where she only has one lower monthly payment that is far more manageable. She doesn’t even have to talk to the people she owes personally, they do that for you and she could be debt free in 1 to 3 years. That sounds wonderful if you ask me. She promised me she would check into it before she did anything else. I think she’s making the right choice personally.