@mrldp40 wrote:
Thanks guys I'm disabled and can't make additional money. I was a roofer now I can't do it anymore take meds that makes me unable to roof
1 cap 1 secured 5/15 opened 349/350 payment 25 min
Surge 6/15. 497/500 35 min
Verve 6/15 495/500 35min
Milestone 6/15 279/300 35 min
Fingerhut 3/15 477/550 46 min
Total visa 4/15. 289/300. 37 min
Premier. 4/15 299/300 30 min
I draw 693 a month and have 470 bills without cards
Yes I messed u big time
Like Simplyme1, I too believe this is doable without letting anything charge off. Difficult, but doable. Here is how I would approach it:
Divide up the $470 in monthly bills between 4 of the cards - Surge, Verve, Milestone and Total. $120 on Surge, $120 on Verve, $120 on Milestone and $110 on Total. What that means is that you pay that much on each card at the beginning of the month, then you turn around and use those four cards to pay that months bills. Now you have effectively eliminated four minimum payments each month. From whats left, pay the minimums on the Cap One and the Premier accounts and put as much as possible on the FH account. You may have to add a few dollars to each of the "bill" cards to account for interest, but that won't amount to much. You should be able to pay off the FH account in just a few months this way. Once the FH account is paid, throw everything at the Premier account, then the Cap One account. When the Cap One account is paid off, then reduce your "bill" card to three, and pay the fourth one down. It will take time, but you can do it.
Cut up the cards as you pay them down to reduce the temptation to charge them back up.
, you don't want to allow any of them to chargeoff. That will tank your score further and you honestly can't afford that. 
