«

»

Dec 09

Welcome, I am new here also

One thing I have learned over the years is that communication is VERY important. Keeping in constant contact with those you owe money to is always the best thing to do.
My suggestion to you is:

Keep paying the bills that you are not late on
Figure out your budget and how much you can pay toward each of those bills you are late on.
Then call them and negotiate. However what ever arrangement you make with them be sure to stick to it and don’t be late or all bets are off with them.

At one time I was late on so many bills and had so many late fees it was like having a whole new bill I called “THE LATE FEE BILL!!” Eventually we caught up on each of them one bill at a time. As one gets caught up your new “LATE FEE BILL” will start to shrink. Eventually I did not have anymore late fees and was able to take the money I was spending on the “LATE FEE BILL” and put it toward paying off my smaller debts. I think it took me almost a year to get caught up.
I understand that sometimes it looks like you will never get out but as you get caught up one bill at a time you will start to see the light at the end of the tunnel.
Remember, One day at a time, One bill at a time.

Hope this helps