I just did a very hard thing ... for me
Well, perhaps for other people it wouldn't be a big deal, but I just phoned two credit cards and explained my situation (exaggerated a bit, told them I was considering bankruptcy) and told them I'd rather avoid that and work something out with them. Well, the card with the biggest amount was quite eager. They said they would try and get me on a fixed payment program and lower the interest rate to 8.5% from 18.9%. She said she has to send it to her higher-ups for approval, but I'm willing to make $300 a month on $12,000. I then phoned the next highest credit card and they were less receptive but lowered the interest rate to 14.5% from 18.9%. So better than nothing. I owe them $5,000 so the monthly payments are reasonable for me for that.
My face is red and burning but my voice didn't shake when I phoned. I tried to sound like I knew what I was doing. LOL My heart is pounding, I'm shaking. Dang, this sucks. Anyway, feel free to pat me on the back. LOL Now if I could just phone the people who "own" my couch and are charging me 29%. ARRRGGHHH!!! Never fall for one of those "no payment until" deals.
I'm so glad someone directed me here and I have a place to talk about this. Its really been eating at me. I didn't fall asleep until after midnight last night and woke up at 4:00 with bad stomach ache and back pains. I'm sure its stress. But I have been saving money on food since I can't eat much due to the stress. Every cloud has a silver lining right?