Reply To: Financial mess and shame

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Addexhausted, Been there done that.
Called a debt management company. It’s surprisingly worse for your credit than a bankruptcy BUT you make a phone call and talk to a person and they help you set up a plan and a one payment strategy right away. It’s free and the companies have relationships with many financial organizations that are very interested in getting paid. The debt management company will negotiate manageable interest rates and payment schedule. They take a set amount from your banking account once a month and send payments to your creditors. You can get that digging started – it feels better right away.

Please stick with it – find a way to make it a game and then find a way to win it.