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#1
03-29-2009, 07:36 AM
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considering suicide
I'm 22,000 in credit card debt. I had a medical bill turned over to collections in the past week.
I feel so frightened, so overwhelmed. I can;t see any way out. I have no family, no one to talk to, no one to advise me. I fear the credit card debt is insurmountable. 
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#2
03-29-2009, 07:57 AM
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hi take it easy
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#3
03-29-2009, 08:01 AM
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I can guarantee you there are people who frequent this board with a heck of a lot more debt than you. I can also guarantee you that you can get out of it easier than you might think.
Give details about your situation - 22K in CC bills may seem like a lot, but it's not all that bad. A medical collection? No problem, how long ago did it go to collections? NOTHING is worth one's life - especially not something as stupid as a bit of debt, trust me.
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*My opinion - not legal advice - is above. Don't confuse the two* "Credit Repair has two facets: Fix the old, build the new" Credit Repair Primer Washingtonians read this! WA Residents: Collectors MUST Disclose interest Rules for collection agencies Is a Collector licenced in WA? They HAVE TO BE! 
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#4
03-29-2009, 08:14 AM
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Right now all I can do is cry. I just found out yesterday that a medical bill went to collection. It is about 400 to 500 but don't know how much they add to the original bill.
My CC's are almost maxed out but would have enought to pay the hospital bill. One of the CC's has gone to 18.25%, I'm sure the rest will follow when a collection shows up on my credit report. I'll never get them paid off. Please anyone, where do I start. Last edited by Rumpole; 03-29-2009 at 08:16 AM.
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#5
03-29-2009, 08:18 AM
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Quote:
 
__________________
FICOS July 2009 EX = 673 TU = 702 EQ = 700 
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#6
03-29-2009, 08:21 AM
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first of all, calm down.
Secondly - talk to the hospital tomorrow. NOT the collection agency, the HOSPITAL. Tell them you can afford to pay them, and then go ahead and do it. Then call up your CC companies and tell them you want to make payments on your cards but the interest is too much to maintain and you want to be proactive before you default on the cards. Ask for their hardship dept. They have plans that cut yoru interest and what not if you agree to not use the card for awhile...get on one of those. thirdly - Don't use the card! Even if you're NOT on one of those plans I mentioned above, not using the card is your best bet.
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*My opinion - not legal advice - is above. Don't confuse the two* "Credit Repair has two facets: Fix the old, build the new" Credit Repair Primer Washingtonians read this! WA Residents: Collectors MUST Disclose interest Rules for collection agencies Is a Collector licenced in WA? They HAVE TO BE!
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#8
03-29-2009, 08:27 AM
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in y our other thread didn't you say you were able to pay it? If you meant use the CC, then dont do that, certainly. Do as Scorch alludes to, call them up and see what they can do. explain your situation and you may be very surprised - I"ve had a doctor agree to 50 a month for a year before, paying them directly.
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*My opinion - not legal advice - is above. Don't confuse the two* "Credit Repair has two facets: Fix the old, build the new" Credit Repair Primer Washingtonians read this! WA Residents: Collectors MUST Disclose interest Rules for collection agencies Is a Collector licenced in WA? They HAVE TO BE!
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