On 30 Oct 2000, 13:53, Southworth, Leasa M wrote:

> Alright, need some help!
> 
> I am in college and did the typical college thing and ran up 
> some debt in credit cards and now I'm struggling.  

[...]

> I'm desperate to get this under control.  I'm not spending anymore
> money on the cards but trying to pay multiple of them at a time, on top
> of my regular bills--I'm fighting a vicious circle and none of the
> balances are coming down. I would take out a loan but I don't have any
> collateral big enough (my car was recently transferred into my name but
> my father has the title so I can't use that) to support a loan the size
> that I need. (about $4000) It's not that bad but I MUST get it paid off
> ASAP.
> 
> What I need is advice. ANY advice. I'm working on a budget now but what
> I really would like is some type of consolidation of bills. I don't know
> where to begin to look for help on such issues so I thought I would ask
> all of you! It would be great to get all of these bills pooled to one
> payment monthly.  Even if it is a high amount...I would STILL save
> money. Any help is appreciated!! Thanks for your time! ~Leasa

Advice: Cut up your credit cards, now.

Next visit the National Foundation for Credit Counseling:

http://www.nfcc.org/

Begin by clicking the "How We Can Help" link in the menu to the left.

There are many local chapters of the nfcc.org and you should see if one 
is near you.  The site will list these for you or at least provide you 
with a telephone number of the nearest agency.


Alan
[EMAIL PROTECTED]

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