What do you recommend when a person can't file bankruptcy. It's a long story so I won't go into it.
I owe B of A about 28k on two credit cards and chase about 25k on three credit cards. I am current on all of them, however,
I am just barely making it and don't know how much longer I can. What about those debt relief companies?
From what I read most say it's a waste of time and money. Plus my interest on these cards run about 7% so I don't know if one
of those companies could help me. I have about 60 K equity in my home and thought about selling it to pay off the cards. Only, no homes in my neighborhood are selling right now and I have talked with several banks about a HELOC which is out of the question with my high debt. Do you think If I called the C.C. companies they would work with me or do I have to be behind in payments?
I owe B of A about 28k on two credit cards and chase about 25k on three credit cards. I am current on all of them, however,
I am just barely making it and don't know how much longer I can. What about those debt relief companies?
From what I read most say it's a waste of time and money. Plus my interest on these cards run about 7% so I don't know if one
of those companies could help me. I have about 60 K equity in my home and thought about selling it to pay off the cards. Only, no homes in my neighborhood are selling right now and I have talked with several banks about a HELOC which is out of the question with my high debt. Do you think If I called the C.C. companies they would work with me or do I have to be behind in payments?
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