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Best way to help us pay off credit card debt.

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Hi there my husband and I have over 30K in credit card debt,we're having a hard time keeping up with our minimum payments;we're considering a DMP but don't want to close all our accounts,not because we want to keep charging but we have accounts that we can manage to pay off on our own.I am also looking into our creditors hardship programs.What do you advise?

You can go for credit counseling and if they think you can enroll in a DMP. before enrolling in the DMP, get answers to your queries.

Sub: #1 posted on Thu, 02/22/2018 - 19:24

Good Nelly Good Nelly
Industry Expert
(Posts: 2616 | Credits: 527.57)

Hardship programs are good. You should try for it first. Contact your creditors first.

If you opt for DMP, you have to close your accounts.

Sub: #2 posted on Fri, 02/23/2018 - 10:51

ditchdebt ditchdebt

(Posts: 626 | Credits: 248.55)

If the cause of your financial hardship is unemployment or illness, then you can get the approval for the hardship program.

Sub: #3 posted on Fri, 02/23/2018 - 17:58

sanderspatricia29 sanderspatricia29

(Posts: 497 | Credits: 53.02)

You should contact your creditors and discuss your repayment plan. If you go for DMP you must close the account.

Sub: #4 posted on Tue, 02/27/2018 - 11:32

Barbara Delinsky Barbara Delinsky

(Posts: 207 | Credits: 20.48)

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