After my ex girlfriend used me earlier this year, I have struggled to make ends meet. Before I met her I had no debt and now I have over $18,000 in debt from having to get credit cards to survive off of, etc. I have only made a mere ( for the first time in my life ) $4500 in net pay this year and I have a car that I owe over $15,000 on now. I have done what I can to help myself and cannot pay any of my bills. The collection agencies harrass me with letter's and I have changed my number and address to protect myself from further harrassment. I need advice as to how I can get out of this growing and lingering debt that is ruining my once perfect credit and my healthier soul.
2006-10-07 22:31:11 · 6 answers · asked by Anonymous in Family & Relationships ➔ Singles & Dating
just a note and i appreciate the comments so far, but i don't own my car, i am leasing it but haven't made one payment on it yet, that is why i owe over $15,000 on it right now on top of the growing $18,000 in loans and credit cards.
2006-10-07 22:45:39 · update #1
start cutting your credit cards and be sensible with your budget
avoid using credit card for at least 6 months,i know its hard but thats the only way for you to get out of debt.be decipline.know how much you make, and dont spend more than you make in a month,make a budget out of how much your making everymonth
and stay within in.last, dont look for a very fancy lady because chances are they bunch of gold diggers
2006-10-07 22:42:24 · answer #1 · answered by Lionel M 5 · 0⤊ 0⤋
sell the car, find something cheaper. Look at what you spend and cut where you can. Work out a payment plan with your creditors and find a second or even third job. You should be able to make more than $4500 in today's economy.
2006-10-08 05:35:27 · answer #2 · answered by sup 5 · 1⤊ 0⤋
well, get yourself aonther job and use that money to make ends meet. the job you have now(if you have one) use that to pay off your bills
start with the lowest bil and pay the most on that until it is paid off, then work on the next, then the next. still pay your bills, but focus more on the one that you are paying off. for instance....pay the minimum on the other while the one at hand, pay twice as much. it will get better. 18,000 in the hole is not the worst.
2006-10-08 05:39:46 · answer #3 · answered by goldie 4 · 0⤊ 0⤋
earn some money for fall in love with a billionare woman and marry her.
2006-10-08 05:36:25 · answer #4 · answered by Lisa V 3 · 0⤊ 0⤋
sell the car, pay what you can to the cc from sale of car.
2006-10-08 05:43:50 · answer #5 · answered by momoftrl 4 · 0⤊ 0⤋
Control your expenditures.
2006-10-08 05:33:54 · answer #6 · answered by Anonymous · 0⤊ 0⤋