Extremely delinquent credit card debt...?

Question

ok, i turned out to be the 18 year old statistic getting a few credit cards and not having the correct judgement or knowledge to use them. in total of about 3-4 cards, i have just over 10,000 in debt.

im 21 now and know better, but not how resolve my situation. there are soooooooooo many debt relief commercials and such and i dont know if they do any good, or which ones to choose. its quite overwhelming.

and to top it all off. i recently recieved a summons for one of the credit cards, they even sent one to my employer. i feel like im going to drown.

id love to consolidate my debt and set up a plan. but to be honest im not even sure where all my debt is. how can i find out all the pple i owe? some have stopped sending mail thinking i was a loss. some help please. im desperate. im to the point i just might file bankruptcy.

oh do i ahve to go to court? can i just settle outside? or what? im nervous

Answer 1

Calli,

I actually own a debt relief company

My name is Aaron and i have no problem giving you some advice. We also work on performance basis and dont charge huge up front fees

email me at [e-mail]

my website with a ton of info is www.agdebtconsultation.com

if youd like a free consultation fill out the form

I am Aaron

always willing to help.

Answer 2

The best thing to do is to go onto experian website and order your credit report this will give you an idea of who you owe to and what debt you actually owe that is the best thing to do

Answer 3

This article lists several tips on repairing your credit,  http://www.monitorbankrates.com/how-to-b...

Answer 4

My ex left me in a credit card predicament, and I went to Consumer Credit Counseling.  This is a non-profit organization that negotiates your percentage rates and sets up a payment schedule that fits your budget.  Not sure about your neck of the woods, but that's the organization in my city that I turned to.  It did help.

Answer 5

If you want to feel a total sense of relief I suggest you file bankruptcy or at least consult a bankruptcy attorney. Be preepared to pay an attorney a sizeable sum to file all the necessary paperwork etc. I went through it 3 years ago and it cost me $1,000.00 and the problem is you need that money up front as an attorney won't even file your case until it's paid. I considered the debt consolidation route also but the more I thought about it the more I realized I was just wasting time that added to my burden. Debt consolidation just spreads the total amount of your endebtedness out over a longer period prolonging your agony.