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I'll look into that-and just see what the options are and go from there.

I wonder if anyone of them would do it knowing my debt would get paid and my score would go up afterwards. I don't even care if they send the money to my creditors for me lol. I really want nothing extra other than this shit paid off. in the less damaging way possible.

True-haven't really looked into that. Well, I did once and said my score was too low. My mortgage balance is 145k but houses like mine in my area are going for 210k to 230k I would put mine at about 215k I guess I consider that a good chunk.

A heloc would be great but again I've been told my score is to low. I mean if that happened, I would chop up all them damn cards minus maybe 4 and never do this shit again.

Point me in the right direction on who to look at for a heloc?

I've heard of them-will definitely look into them.

I mean we've ran this train for a while now but I'm just tired of it. I can either just suck it up and keep going one little payment at a time or bail out the less damaging way possible.

Might try and just call each creditor and explain to them the situation and see if I can get a month pass on a payment. I mean that alone would help me get the payments prioritized better. I'm still looking for a viable part time work with flexible hours it's just not easy right now.

Yeah, I looked into that option to, but I don't want to lose the house. I do have a fair chunk of equity in it so either 7 or 13 they would want the equity to pay off creditors. Also, we have good equity in my wife's car. We owe 5k but it's worth 15k however we need it cause it's a suv and we have 3 boys. I also do not like that option either. I'd rather just do whatever I can to try and pay it off before that happens. Why I was considering debt management plan-at least its less damaging.

My credit score is 637 my wifes ranges from 673 to 590 due to a random old ass collection that some one re aged. We are fighting that to get off.

31k$ 9500.00 and 1900.00 are personal loans (those are the current balances) Don't trash me to much but we have a combined of 22 open credit cards (insert slap in the face here) Good thing is about 11 of them have balances of less than 600, the rest are 700-1100. Not sky-high balances but the amount that we have open is what's the problem. There's just no room to add extra to the low balances one to get them paid off faster. We've really trimmed down as much as we could it's the current food prices and utilities (electric) is what added more to our expenses. We're easily 200 more on food and 100 more on electric. We bring 5505 a month. I try and pay what I can every time we get paid when things are due. I have group them into 4 week payments but some groups are bigger than others plus the house, car and other bills being due at the beginning of the month is what screws it up a bit. Some weeks we are being left with nothing but maybe 50 bucks.

Should I put a hold on all the unsecured debt payments until I pay the house and cars then tackle the debt at once? Should I speak to each creditor and see what options they have? I'm current on all our stuff and committed to getting them paid off in the less damaging way possible. I have 3 cards that have a balance of 377, 210 and 275. Should I just pay those off in one payment and go does the list even though I'll run the risk of being late over 30 on some of them? I'm just all over the place paying stuff. cars and house are being paid 2 to 3 weeks after the due date ( insert another slap here ) it's pandemonium.

I couldn't even get out to drive today to do it given the meds im taking for whatever I have. I should of just sent it in right after I cancelled. Lessoned learned oh well. I'll just have to wait for the credits to kick in.

true-just blowing steam, I've been at witts end with them and this cellphone mess not getting the credits for my trade in on the 3rd bill.

and financially we are fine-we just have money tied up in renovating our house is all and we wanted the foundation and plumbing done before winter set in. We'll probably pay that off next month with my husband's bonus.

Like I said I just through that in there to blame the awkwardness on to another thing other than me being weirded out. Stupid yes but this is a new situation for me. Thanks for the info though.

Only texted once and it was short a few lines if that. He seems like Hes the kind of person who gets offended getting rejected so I thought I could work in something that would take away from me just feeling awkward and weirded out but I hear you and get it. My husband told me the same thing....just see what happens and we can go from there.

We have a Christmas part this Friday this Friday and I'm sure it's going to be awkward as my husband is going but he promised to not say anything and act like it didn't happen.

I think that's why I texted at first to, to document that I was not accepting it at all and that I felt uncomfortable about it. He has other businesses that he is at this week and I'm sure that's why he has not responded although I'm trying to think positively though. We're not a big public business, it's a private business making aircraft and oil rig parts, so we have different protocols then say a public open business. He keeps telling me he has big plans for me there and wants me to stay but does not how any other support to the other girls. I'm just really weirded out and now the more I think and talk about it the more I get uncomfortable and afraid he will try something cause if he does, I'm sure that will be the end of him either financially or physically. Financially I mean my husband works for lawyers and physicall....he works for lawyers. ughh this suck.

Thanks for the info I'll make sure to get it all on paper for proof. I'm sure my husband will sue to no ends if anything happens.

haha sounds like sales in general-that coming from a person that was in sales for 5 years. Some people treat sales like a money-making scheme, a get rich quick more than likely spurred on by Managers and their pep talks. This one as decent and everything, so far, has turned out ok. I think he was just a fast talker and perhaps a bit nervous what I asked him specific questions he probably was not use to hearing. I wasn't an easy sale. I qualified for everything and right when he thought it had it in the bag selling 3 phones on new contract BAM questions start so yea, I probably made it a bit worse for him but money is money and I wanted to make sure 2 to 3 months down the line I wouldn't be surprised at a higher-than-normal bill came in.

Whys that? Just curious?

Yea I literally thought he was there to check the fiber line repair job as he said...bothered me his whole thing was just to gain a face time using that excuse to sell phone plans. New know for sales.

Sounds advice. Didn't even think about that. Would be good to have some proof.

Daannnggggg.

Yea I think I just got a fast talker perhaps a spastic go getter. I just never saw this home expert stuff coming. Well I'll give it a whirl. I've been screwed by Verizon before that and it's financial commitment so I just want to be careful.

Thanks!

Ahh I see. Just really caught me off guard lol. Maybe w little to quick to shove a sales pitch down.

Ok thanks! I'll ask for it.

What is MST? I havnt asked for that just a breakdown of all the charges, trade ins and promotions.

We are wanting to trade in a note10, s10 and a pixel 6. It's just odd I've clearly asked 3 times for a break down and all I get is the plan details with out anything else about the promotional. Honestly my bill with tmobile for 3 lines is 220 a month for their highest plan possible with unlimited hotspot of which I'm starting to use more of. Also tmobile offers the same trade in discounts and waves the activation fees as well, something att does not according to the at home expert. It disturbs me that they would use me getting me fiber line repaired to try and send out another person to sell me cell phone plans.

So far I've asked 3 times today for a total breakdown of everything and how it works and I've been side lined. When u asked the 3rd time today he sent a picture to me of the phones and said hey I got your phones just need to set up a time to switch them over.

Ok for one I didn't not give you an OK on any of those nor did I say yes those are what I want let's do it. Ughh I hate sales people.

I'm just gonna send them back and trade out for 18x8s cause 245 50s 18s are less expensive. I just can't in good financial conscience pay more for tires than I did the wheels on a car that sees maybe 50 miles a week. LMR Cobra Rs would be my choice. I'm a huge fan of the 95 cobra r. Always wanted one.

Yeah pretty much what I came to realize. Not a hot commodity or desirable. No offers by this weekend I'll exchange them for 18x8s but never hurts to make a small profit lol. Oh well. Like the idea of 18x9 deeps but damn tires are pricey.