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I'm 35 years old. I have about $23,000 in credit card debt.

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 PostPosted: Fri Jul 10, 2020 10:48 am  Reply with quote Report this post 

Joined: Mon Jun 29, 2020 9:33 am
Posts: 4
I'm 35 years old. I have about $23,000 in credit card debt. How do I get out of debt?


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 PostPosted: Sat Jul 11, 2020 2:47 pm  Reply with quote Report this post 

Joined: Mon Jun 29, 2020 9:35 am
Posts: 4
You need:

Income: you must have enough to cover your necessities and your debt payments
Spending budget: absolute must to know how much you can afford to pay down per month (or whatever)
Discipline: took me good couple+ years sticking to my budget to pay it off.

Some financial knowledge is also good to have:

Which card to pay first, second and how much each: typically focus on paying down the principal from the card with highest amount of monthly interest, until the next card becomes higher all along making required minimum payments.
Refinancing debt with new debt: there will constantly be credit offers with intro rates lower than yours, but with transaction fees (which are simply prepaid interest), you need to be able to tell if you would benefit from doing that
Debt terms you need to be well familiar with: m


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 PostPosted: Sat Jul 11, 2020 2:48 pm  Reply with quote Report this post 

Joined: Sun Jun 28, 2020 12:20 pm
Posts: 8
Hi, Im very sorry you have such a situation. But no worries. There is always way out. I was lucky enough to deal with this credit relief program https://debtquest.com/services/credit-card-debt/. Once your consumer debt counseling consultant assess your individual situation, they will negotiate with your creditors on your behalf to lower your interest rate. It is very convenient.


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 PostPosted: Sat Jul 11, 2020 4:11 pm  Reply with quote Report this post 

Joined: Tue Apr 28, 2020 11:36 pm
Posts: 14
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