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pma22 wrote:Help!! I'm in about 25,000 in credit card debt. How do I get out of debt??
Very funny contractor. I never went through BK myself but from what I hear from friends and loved ones that is the consesus.
contractor wrote:
Personally, having gone through BK, I would eat Top Raman noodles and live in a refrigerator box before doing it again. At the time, it seemed like the thing to do.
@Anonymous wrote:That's interesting, th'at he was encouraging bk. I have to say that was what I had planned to do, but the consumer credit place's stance was, "That is the worst possible thing you can do, and should only be a last resort." At the time it definitely seemed easier than struggling with all those payments.I will also say that I found it just as hard to recover from slow pay/charge offs as it seems to be to recover from a bk, but obviously I don't know first-hand.
@specultr wrote:I had 4 charge offs and 14k in debt in 1997. I took a class on managing credit by some adult continuing education company. They had a bankruptcy attorney giving the class trying to convince us all to file BK. Some did. I didn't. I paid them all off. It took about 1.5 years of sacrifice. Now I'm prime again. It gets better.