anyone tried consumer credit counseling?
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| Tue, 08-16-2005 - 3:40pm |
I'm in kind of a financial bind. It's not really THAT bad, but I could use a bit of help getting out of this hole. I have student loan payments, car payment, and three credit cards on top of mortgage, utilities and GROCERIES. I'd just like to get some help from them.
Has anyone on here had any luck? I think alot of my problem is all the little "extras" that crop up. My kids always want spending money and I don't always get a chance to go to the grocery store alone as they are home on school vacation and want to come with me.
Do they put you on a budget? I really don't think my interest rates could get much lower than they are. I'd love to either get my car payment lowered or a couple months off while I get budgeted. SOMETHING! I just refinanced my house and had the taxes and insurance added in with the payment so that's one less thing to worry about.

When I look back I wonder if I could have paid some bills every other month to catch up without going over 60 days and not totally ruin my credit. Not sure if that would have worked. When you are beyond your means you usually have to get help. Not sure what my fica score is these days. Have you read any of the finance book/advice?