snowflake or cccs?

iVillage Member
Registered: 03-28-2005
snowflake or cccs?
Mon, 03-28-2005 - 4:20pm
I hope someone can enlighten me. I am in severe debt, and just sick about it. It is affecting my general health. My husband doesn't know that we are in debt and I am working with my therapist to tell him with her in the room. My problem has been that I was emotionally abused, therefore I felt awful about myself and spent money..that I didn't have, to make myself feel better. I was also in control of the money and bills and had to make it work, and it if it didn't well we know who was to blame...ME! So I would also show him and I would take real control of the money and spend it on CC's. This was the past 5-6 years, now I am paying for it. My husband has really really changed, he has had a life changing experience with his father so he is really opening his eyes to everything. We have been in therapy and really trying to get communicating. He is really trying and I feel so quilty for keeping this all from him and soon it will all be out. My therapist told me that its not all my fault, for he is being extremely immature in dealing with the bills and making you do it all, so that made me feel a little better,, but not much. I am trying to get a game plan for the debt, my question is this, I have received information regarding Debt Management Plans, and it is alot of money no less than I am paying now a month, but some of my interest rates went down while a couple went up. Would it be better for me to snowflake, or join a CCCS. I have a few CCs with huge balances that are at 29.49% CCCS is charging me $50 a month to maintain my account. I will be debt free in 5 years. I am not sure what to do, I am really sick about this and feeling like a huge failure.