OR Pay the minimum on all your credit cards and the balance into savings. Look for a house, when you find a place you can afford to buy YOUR RENT MONEY WILL WORK FOR YOU. The purpose is credit control not the “castle of your dreams”.

You can make an appointment with a loan officer at your bank and discuss a consolidation or line of credit loan in order to pay off the high interest rate balances on your credit cards.

However, if you haven’t been keeping up and missing payments here and there and making late payments, your credit history is likely down the tubes and all you can do is to talk to the credit card companies about payment plans that will not end up with your account being sent to a collection agency!!!

Once you belong to a collection agency there is not much left to do except sell everything you own and try to pay them off. Maybe your family could help you out?

I had to use my children’s RESP to pay off a collection debt–they wanted all the money within a week! Or else….

Good luck and don’t wait too long before trying to make amends with your credit rating!

Jesus f’ing christ…

I’ll bet you don’t have anything to show for it either do you??

If you do – sell that sh** and pay them off. You could make massive payments on that much credit card debt and the interest alone will eat up the payments – leaving you owing the same amount.

You can try talking to some local debt consolidation places, but my main suggestions would be:

A) sell off anything you have of value, and use it to pay off those cards

B) chop those f’ing cards up (if you haven’t already).

C) stop spending money on sh** you can’t afford.

Sorry to be so harsh, but $12,000???? That requires harsh.