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Here's the problem we have these 4 credit cards accounts I want to pay all the money that I borrowed from them...but some of the APR rates are like 18-20% so I am just barely making the payments 2 of them are for 300 a month, one for 250 and other for 130. Sometimes if we have a bad week I am either late or can barely buy groceries for that week. I was just wondering if I stopped paying them all and focus at one at a time and pay them off one at a time in matter of months what will happen? I have called the cards to try and get them to reason with me lower the payment/ apr rating, and even one of them to move the payment date and they said there is nothing they can do for me at this time!!!! I have been paying them all on time but if my husband gets hours cut my fear is we wont have the money to pay them! Not really worried about credit I just want to pay these things off and cancel them! Any advise would help! Thanks
See my answer at this link to see the consequences of stopping payments on your cards: may want to try a debt management plan. NFCC is a non profit organization that was set up by the credit card industry to offer assistance to people who are struggling to pay their credit card debt...and who may by considering filing for bankruptcy. They can offer reduced payments and interest (but NOT settlements for less). a general rule, they can reduce your total monthly payment down to 2% of your total debt...so with 10K in credit card debt...your total payment would roughly be $200. They can also reduce the interest to around 10% - Enrolling in this program involves closing all your credit cards so that you can't use credit again. Your credit report will get updated to "enrolled in debt management." This does not specifically damage your credit...but it will make it hard to get any sort of new credit...like being approved for a car loan.
What it sounds like you need is to visit a local chapter of nfcc.org. They are a credit counseling service that is non profit (so it isn't a debt consolidation or settlement company) They will help you work with your creditors to either lower your interest rate mississippi stop interest from accruing on your account. They will have you on ONE payment and you will have them paid off a lot sooner than if you were trying to do this on your own. You will have to give up the cards and close the accounts, but, if you do your plan of only paying one and neglecting the others, your accounts will be closed and sent to collections.
Credit counseling or debt settlement would be your best option. Credit counseling negotiates the interest rates where debt settlement negotiates the actual balance. If you can afford your monthly minimum payments currently credit counseling would be the best option. If you are struggling with the minimum payments then debt settlement would be the best option. Most consumers are able to eliminate 50% of their credit card debts with a debt settlement but your credit will take a hit. It would be wise to speak with a debt relief specialist who can go over all your options for free. To speak with a certified debt relief specialist for a free consultation check out the following link: 877-853-6466
No you cannot. You knew the apr was high Suggest you get a second job and put all income toward the cards You fail to make payments then the account is turned over to a collection agency