Hello everyone! My name is Ben and I am a new member so I thought I’d introduce myself.
I’m a 33yr old WAHM in Oklahoma and I love to spend time with my family, learn about new things and get to know new people. I personally feel that we all have many choices; we just need to educate ourselves in order to make the right ones for us, individually.
We just recently consolidated debt by going to Consumer Credit Counseling Service. I’m hoping I can find some good information here so I can learn how to stay out of debt. I’d also like to meet some like-minded individuals.
Hope everyone is doing well and I look forward to getting to know you all!
I think I am doing the right thing by going to CCCS. My friend used to work for them-the one in Richmond Virginia that is. He told me that they had helped a lot of people, and I was not alone in your fight with debt. I hope things will work out for me!
without knowing what you are bringing home and what your debts are we can only give you general help.
First off, are you in the CCCS debt management program? If so, make sure you pay them ASAP as they can get the creditors to stop calling. If you aren’t, then you need to talk with the creditors and explain the situation.
You don’t say what state you are in so I don’t know if your paycheck can be garnished or for how much… you would want to check into this; CCCS could answer this for you as well.
The first thing you need to do is list everything you pay out; track your spending, even the little stuff… little stuff (you think anyway) adds up to big stuff very very quickly… there are a lot of ways you can cut expenses if you have the determination.
This lists a series of articles on money management, including tracking expenses, and cutting waste;
If you haven’t downloaded the free Money Management Planner, please do, they may help you understand your finances a little better as well.
Feel free to ask away about any questions or concerns you have.
Also, CCCS should be able to give you a template for a Cease and Desist Letter to send (Certified and Return Receipt) to the collectors to get them to stop calling you.