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e | What should I try to pay off 1st? |
I have a repo on my credit which I owe 6000,I have 4 credit cards 1. is 345, 800, 1004, and 800. Plus I owe a gym 600 Should I try and put all my money towards the repo or should i pay off the same bills 1st ? I mean I plan on paying the min.on all the others but I really want to focus on getting something off my credit bad.
Additional Details
HELPFUL advice would be great !! I know i am in dept that is why i asked the question. |
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$m¤¤v¥ £¤¢¤
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I have a solution that might help you get out the situation that you're in. Are the credit cards still open? Even if you're delinquent, but they're still open, I'd focus on getting those back on track. You're going to need some active accounts to help your build yourself back up. The repo and the gym will still be there. But if the credit cards are closed, then I would tackle the debts in order from the least to the largest amounts. I also provided a link to a website that can help you calculate what you can do to get out of debt. |
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beauty s
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smallest to largest |
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bedu
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I would try to pay off whatever has the highest interest rate----and the repo |
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philip o
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Admitting you have the debt is the first step of the way to a brighter future and once you have cleared one of the cards you will start to feel alot better about your situation.
You should target the highest credit card first and pay off as much as you can each month whilst maintaining the minum payment on the others.
You could look to switch you cards to oter cards offering an interest free period to help you move things along or better still one that is interest free on purchases. That way you can wham down the biggest debt with the majority or your salary whist using the interest free on purchases for your day to day expenses. REMEMBER it is for essentials only and not for things you dont need.
You can try to raise some additional by selling off stuff you dont want like old CDs and DVDs to put toward the debt.
There was an excellent radio show called Moneybox on the BBC Radio 4 website last week you should log on an listen to with lots of helpful advice for people in your position with credit card debt.
Good luck and every success. |
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twv121
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The easiest way to pay down debt is to pay your smaller accounts first. Save the largest amount, which is your repo for last.
When you pay off your smaller accounts, call the bank that you owe $6000 with, and ask them if they will take a smaller amount to settle the account with payment arrangements. |
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JB
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Pay off your debt smallest to largest. Pay minimums on everything but the smallest. When you have the smallest one paid off then take that money and add it to the minimum on the second smallest. Snowball your way through all the other bills.
Mathematically, it may make sense to pay off the one with the highest interest rate first. However, paying them off smallest to largest has a psychological impact that will keep you going.
Do not think about consolidating this debt for a lower payment. It sounds good but in the long run you end up paying more.
Also. never give them access to your checking account and never give them post dated checks. |
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belligerent assistant
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Hi I think you should call the company where you owe $6000--and tell them you want to arrange a program to pay this off.
Sometimes companies will give you a major discount in interest if they believe you are seriously going to make an effort to reduce this money that you owe!
Or see a credit councellor. |
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angela
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I would focus on the credit card with the 345 balance. You'll feel better paying something off and that's going to be the easiest for you to pay. Pay as much extra on it as you can and then when it's paid you can put the amount you were paying on it toward something else. |
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Bristow
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Ok buddy, I have been where you are and it isn't a pretty place. Here is the best advice you are going to get (if you really want to solve this problem).
You owe $345.00, $600.00, $800.00, $800.00, $1,004.00, and $6,000.00.
That is all that matters. First off all of these bills that are in collection must be addressed. Inform the collection agency that you would like to set up a payment plan, and if you follow through with it, that they will take this off of your credit. Make sure to get it in WRITING.
Secondly, make a list of the minimums that you will be paying. Lets say $50.00 dollars each a month. The trick is to start paying, and when the $345.00 is paid off, apply the $50.00 you pay every month to the $600.00. Then when it is paid off, apply the $100.00 to one of the $800.00 bills. When that one is done, you will then be paying $150.00 for the other $800.00 bill, and then when you have paid those off you will have $200.00 going to the 1,004.00 bill.
Finally, when all of the others are paid off, you will be applying $250.00 a month to your $6,000.00 debt. That will be more than what the Collection Agency thought you were going to pay. And you will have in writing that they will remove it from ALL THREE credit bureaus.
This plan worked for me. It is hard to make it sometimes, but the most important aspect of it is that you don't miss a SINGLE payment. If you do, your deal with the collection agency will be void.
Good Luck |
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Alterfemego
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You might try calling 888-995-Hope. It's a counseling service that may be able to help you with your debt. |
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Gone fishin'
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You need to pay off the highest interest. See if you can almagamate the 4 credit cards to one and get rid of the extras. Two many credit cards is a mistake no matter what the bank says. |
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Keztacular
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Consolidate if at all possible and cherry pick credit card deals (honeymoon rates or interest free on balances transferred).
THEN --
Make your minimum payments on all but try to pay extra on the lowest balance card. When that is paid off, roll the amount being paid towards that card to the next lowest balance. And so on. |
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Scampi
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Why get into so much debt in the first place, its just ridiculous. Learn to control your spending!! |
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