lowermybills...anyone tried this?

iVillage Member
Registered: 11-14-2004
lowermybills...anyone tried this?
3
Wed, 12-01-2004 - 8:48pm
Ive seen this place online and was wondering if anyone here has tried it...I have to do something things are way bad and im not doing so well..its very scary and I dont know how to get out of this...I have a pile of bills sitting here that im going to go through and write down and get it all on paper...ive had over 10 calls from creditors today..ugh!! there will be no xmas this year due to all the debt...we had no food so I used some bill money to get some food for me and my daughter...I know there has to be an end to this somehow!!!
iVillage Member
Registered: 02-14-2004
Wed, 12-01-2004 - 9:25pm
We have used lowermybills.com to get a cheaper phone service, it was great. But the 10 creditors, who are they? Credit cards? Have you called consumer credit counselling yet? It sounds like you need some help.
iVillage Member
Registered: 11-14-2004
Wed, 12-01-2004 - 10:00pm
lets see....Dell, capitol one, orchard bank, american general, household auto, numerous collection agencies..this list goes on and on...yes I went to CCCS services when I first noticed that I was gonna be falling behind and they told me they couldnt help me...that I was paying out more than what I was making...well duh!!! they also told me that none of the creditors that I owe would be willing to take lower payments?? Ummmm so do they just send back my check of 20 bucks cuz its not enough of a payment?! I hardly doubt it...Now im 100 times worse off than I was when I first went to them...I will be giving notice to the landlord either for jan or feb to move..this place is just way to high...I know that eventually it wont be so bad...but right now im at my lowest :-(
iVillage Member
Registered: 08-19-2003
Thu, 12-02-2004 - 1:04am

Slowlydrowning, I think we are twins. I'm 37, have a teenage daughter (also a nearly 20-year-old son, but he lives on his own), and oddly enough, I even owe the same creditors that you mentioned (Orchard Bank, Dell, Capital One). I get calls also, and just when I get one paid, another falls behind. I have recently taken a second job (I've been there a month), but the extra checks aren't helping me pay ahead because I'm still trying to catch up. December looks bleak for me because I have all of the ordinary bills, plus I have car insurance, property taxes on my car, my daughter's 16th birthday, a baby shower (it's immediate family or I would skip it), and then Christmas on top of all of that. I've already talked to my daughter and she understands that Christmas may not happen on schedule, and I will probably have to get her gifts a little later when I get more caught up. I still have to buy something for my son and a couple of others, and I'm not sure how I will do that. I pay the essentials (rent, utilities) and try to keep enough food in the house, but we don't buy meat or soda pop, no extras. Credit cards are paid as I can, but most are at or over the limit, so I'm kind of spinning my wheels there. If I pay $100 on a card, and $70 goes to finance charge, and another $29 to overlimit fee, that only lets $1 go towards paying it down, which is just stupid. I'm trying, but it's hard to feel anything but hopelessness. I just wanted you to know that you aren't alone, I know how hard it is. I will be thinking of you.

gomom99