I have been working for almost 2 years to try to get out of debt, it’s not easy when you really only make enough to live on, well for a collage student living at home to live on. I have thought about getting a personal loan to pay off everything, but because my credit is so bad I can’t get anything. Part of me just says forget it and let it sit for 7 years. The other part knows that if I do that I won’t ever be able to move out on my own. I really have to look into how to consolidate debt or at least my student loans.

The hard part is now that i have a little extra cash it seems they all think I can pay everything in full. I have tried to tell them this, but apparent their money grows on trees and they don’t understand I can’t pull money out of my butt and had it to them. It must be nice to get everything handed to you on a silver plate.

Anyway I have spent a few hours looking over some options I have at bills.com. Unfortunately at this point it still looks like bankruptcy would be the best option, but I still don’t have the money to pay for that and it won’t take care of half of what i owe anyway because of the new laws. They do have some great tips if you have the money to pay every month, but I don’t. I’m thinking right now the only way out of this is to win the lottery or marry a rich old man.

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As many of you know I have some debt. It’s not horrible just around $50,000 with student loans. Since I’m not done with school yet I’m not going to worry about them, but I need to do something about the rest of it. That is about $6,000. I know it’s not much but when you only make enough to pay basic monthly bills then it is a lot.

If your looking for some help like I am then you really should check out this fun and helpful website I found. It’s called debt consolidation care and it’s like no other site I have seen. They actually have real help for you, not just a bunch of advertising for loans or bankruptcy. There is a get out of debt forum where you can get advice from real people who have either been there or have training. The section I like is the one about debt collectors as this is my major problem. Most of my debt went to collection a long time ago. They kept calling until I finally wrote them to stop. I live at the number, but my poor mom was getting tired of the calls. Anyway this section is very helpful to anyone dealing with debt collectors. I did a lot of research about a year ago and I still learned a few new things reading though this.

The best part about this site though is the do it yourself section. This area tells you step by step how to go about consolidating your debt without the help of a company! According to them you could save over $200 doing this yourself. They have sample letters for many different situations such as bad checks, conformation of debt and so on. This area is very helpful and has inspired me to really keep trying to do something on my own about my debt. Overall this is a very helpful and well laid out site. You really should check it out if you have any questions about debt and getting out of it.

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I really hate debt, I have way too much and I need Debt relief. I really need to get some Debt help. I don’t like having to worry about all of this. Debt consolidation maybe a great answer but I really don’t want to do it. I want to do it on my own but I just don’t know where to start, it seems that every time I get somewhere I end up back where I was before.

I took the test at Bills IQ and got an okay score it was 67%, but it could be better. They also gave me some great ideas on how to solve my bill and debt problems. Some are okay, like  the consolations services, I’m hoping never to use the socialspark.com/metrics/click/post?slot_id=12694&url=http%3A%2F%2Fwww.bills.com%2Fbankruptcy%2F” rel=”nofollow”>Bankruptcy option, but my mom is now looking into it because of personal issues. You just never know what is going to happen. Life throws everything at you and then you have problems that are sometimes just too much. That is where Bills IQ’s debt pointers may come in handy.

Below you can listen to me ramble on about how I handle bill day, the day you pay all of your bills for the month. I don’t pay my monthly bills this way, but I do sit down once a month and figure out how to pay off my other debt.

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I have been in debt for a few years now. I have many things in collection and many more on their way. Some of the problem are hospital bills I just can’t pay some is credit card debt. Unfortunately I can’t get help for it as it really is not that much and the only reason it’s gotten this way is because I don’t’ have a steady job, I can’t find one and what money I get goes to paying what I can.

That doesn’t mean that you can’t get credit card debt relief. Most Americans have this problem, we spend and spend and then the credit card bill comes and we can’t pay it. One site ACA4help.com may be able to help you with your credit card debt. Like most programs you can get a free consultation and they have a few different ways to help you out. You can choose debt settlement, credit concealing which I recommend if you have an addiction to credit cards and loans, Debt consolidation, pay on your own or Bankruptcy. You can compare all of these options and choose the one that is right for you.

Debt is a growing concern right now. I hope to be free of all of my debt by next year, well except my student loans. Thats why I want to get the rest of it paid off, before I graduate, that way I can afford those loan payments.

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I’ve had yet another mystery bill added to my credit report. I have no idea what it’s for as I have soo many medical bills. All it says is medical, yes that helps me a whole hell of a lot!

I’m starting to think that bankruptcy is my only way out. Because of Google my income from blogging sucks compared to what it could be. If I had the income I should have I could pay off all of my debt and start on my student loans withing 4 months. Yes I’m really pissed at google now and I hope their stock gets to the point where they have to have a buyout. They suck and I hate them.

Anyway, I’m just really frustrated. I can’t find work because I’m either over qualified or under qualified. I can’t pay any of these bills I have and when I do another pops up in it’s place and is usually more then the one I payed off. I’m now understanding why people go out and kill each other, they are frustrated and tired of trying and getting no where. (Don’t worry I’m not going to go on a shooting rampage) I will go and work out until my blood sugar gets really low or I finally wear out the frustration. I really just don’t know what to do.

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