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I have close to 100k in debt, no interest above 7.99, work for myself, have unstable income, no savings and often borrow more money to pay monthly bills. My credit is good (680+) Any ideas how to get out of debt? I am 62.

This is a tough. You obviously have a good situation as far as your interest rates are concerned and

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I am currently enrolled with care one credit and have a debt of $7,500 . I just received a collections letter for another $1,966. My question is do I enroll that extra $1,966 with care one, wait till they settle for a lower amount, or should I enroll in a debt relief program. MY score at this time is 646 and I am currently looking for a (state/federal) job. Which will not effect my credit the most?

Sorry for the delay in responding to your question. From what you said, youi are already

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Currently using Emergency Debt Relief and their monthly fee is 1/2 of my monthly payment. Are there any free companies to get the remaining balances paid with out a monthly fee?

Hello. I do not know of any free debt relief companies to get you out of debt. Many people mistakenly believe

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My husband is active Duty Military. He got us out of debt before he deployed, and Yes I put us back in debt. sadly I have waited to long to get us out of this mess before he returns by the end of October this year. Is it possible to help me with my debt problems?

Sorry to hear about your situation. I don’t know enough about

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Scott, do you know between debt consolidation or debt settlement or filing chapter 13, which will hurt your credit the most as you get out of debt?

You have them ordered correctly from best to worst. In other words, in terms of the affect

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