how do I pay 11,000 of debt in 10 months.?
349545
Get a few jobs and maybe say I will blow up something but to do this I need money. e.g A guy did this with his G4 to get a G5 and he got 5'000.
968889
If at all possible, go to your bank. They may be willing to give you a loan which means that you can pay your debt off with one automatic payment a month. I did this and I was amazed that they said 'yes'!\n\nOf course, this doesn't make the debt go away, you've still got to pay it back. The smart thing to do is get a grip on your finances, don't get into any more debt, and aim to pay the bank back quicker than they want you to.\n\nIf the bank isn't an option, then there's a website here with lots of information, pros and cons of debt consolidation. If you go down this route it really does pay you to do your own research and shop around.\n\nGood luck!
710827
This is just a surface problem - I would assume your debt goes a lot deeper.  Visit the National Federation for Credit Counseling for some help with what direction you should go in to get yourself out of debt.
366867
Contact the agency, don't wait for them to call you. Most times when you're calling into an agency, as opposed to them calling you, the agent will be a lot less aggressive. If they STILL demand the full amount, STAND FIRM!!!! Explain that your intention is to repay your debt, but that you need to make arrangements to repay your debt in a way that you can follow through on. If this doesn't work, send them a letter notifying them of your intentions to pay, the amount you will pay monthly, and when you will send the payment each month. Next, send them the first payment. What are they going to do, send your money back and say they don't want it?!?!? Most important---pay on time, stick to what you agreed upon. Good luck, I hope this information is helpful.
1071074
if you can afford it i would pay 2 car notes a month or send extra money on each bill everymonth. you can consoladate, or get a loan to pay off small bills. take the money you would spend on those small ones and put toward the large bills.
388631
Consolodate your debt. (get a loan to pay off all your debts) Arrange this with a financial advisor dont try do it yourself, they will get you the best interest rate. Arrange a longer period to pay this off. Cut up any store or credit cards. Budget and always ask yourself before buying anything "do I really need this", "will i be using it in a few months time" "why do i want it". This does help you re-evaluate your spending.
695746
Don't panic. You need to deal with this problem like all problems in life with calm and confidence.\n\nIf your income is less than your expenses there is no way you can get out of debt. So, first step.  Is it possible to cut down your expenses? Evaluate the following  home rent, expenses for cable tv, internet connection, mobile phone, long distance telephone provider  and other utilities- do they all cost the lowest rate possible. \n\nIf not shop around and get the best deals. If you call only one or two people frequently then switch to some connections like friends and family which give you the lowest rates for 2-3 phone numbers you choose. Cut down on things you never use or which can be postponed. If you don't use your internet connection - get it disconnected. You don't need the cable connection - get it cut too. Till you are firmly back on your feet you may have cut out some luxuries. \n\nCall up your credit card company and ask them if they will lower your credit card interest rate. As you have good record of paying on time they will surely consider your request. A lower interest rate is like getting a cash back. For example on your debt of 18,000 dollars at 20 percent interest you will be paying 3600 dollars per annum in interest alone. Cutting down the interest rate to 10 percent can bring down your interest to 1800 dollars. That means you save 1800 dollars in interest which you can use to pay your principal. If you promise to pay on time they may even waive your late fees. So, make that call to your credit card company. If you have more than one card then transfer your debt to the lowest interest card, that should also save lot of cash.\n\nCan you get another job? That should help you go a long way in cutting down your debt. If you daughter can pitch in by earning a few extra dollars through some baby sitting or cleaning neighbors yards that should help too. Many such jobs will be posted at the local supermarket. \n\nIs it possible to get a raise at your current job? If not try to find a job that will pay you more. Most important don't lose your confidence. You have done a fine job till now with a little help you would definetly do better.\n\n You should also go to debt counselors who will give you more advice on how to tackle your debt with the income you have.\n\nBest of luck.
324464
concentrate on paying off your highest interst loan first, like a credit card that can be 18% or more.  then pay off the 2nd highest debt, etc.  you have to make more than just minimum payments to make any headway at all.
371351
Go with the Dave Ramsey method, pay minimum payments on largest debt while paying more on smaller ones and get the smaller ones paid off first.  Then when you get one paid off, put that much more on the next one.  I am doing this and it works!  I have lived paycheck to paycheck and have now paid off over $2,000 in debt so far in 2006.  It works!
11816
You must do it in baby steps:\n\n1. Get on a written budget. Have a baby emergency fund of $1000 in a simple savings account that you can get it quickly, if need be.\n\n2. Do your debt snowball- List all of your debts in order of what you owe least to the largest amount.  Pay off your smallest debt first putting as much as you can towards it while still continuing to pay the minimums on the rest.  When that debt is paid off, simply add that amount on to the next debt that is in line and keep going. You won't believe how fast it works when you get going with it. Sell something if you have to, but get going.\n CUT UP all of your credit cards if you have any and never do them again! Forget about the interest rates, you need positive momentum to get you going and to keep you going! it really works, did for me and many others.\nPay off all debt except for the house mortgage.\n 3. Finish your emergency fund with at least 3 to 6 months worth of expenses in it.\nThis info will get you going.  Alot of people take an extra part time job just temporarily while doing their debt snowball.  there are more steps to financial peace.  Please check out daveramsey.com, he has classes in alot of areas, and a great website and daily radio show!
762592
I work in the credit industry and there are several ways you can go about tackling this.  First off, take comfort in the knowledge that $6k is not a lot to owe, but if you don't pay it the right way, it will become a long term problem.\n\nStep one: contact your credit card companies and request that they lower your interest rate.  if you have been a good consumer they will most likely lower the rate... if you have not been paying on time and look like a risk, they will put up a fight... no matter what, do not give up on the idea that you can lower your interest rate...\n\nIf you have been on time tell them that you are considering obtaining a different card, and unless they can lower the rate you are simply going to transfer your balance to a new card and cancel the account.\n\nIf you have been bad at staying on time with your payments - then its time to get current and stay current.  After 6 months of being timely with your payments they will lower your APR.\n\n\nnext step is to develop a repayment plan... if you can out $200 per month toward the debt you should be done in under 3 yrs.  I would suggest that you set yourself up to pay your bills on line using an auto bill pay system, most banks offer this service free of charge and it is a quick way to have your payments go out.  Its also easy to track and manage.     Set yourself up to pay every 2 weeks.  ($6k means your monthly minimum is probably $120 - $135) try an set it so that you make this payment every time you get paid... the more money you can spare towards the debt the faster it will be paid off.\n\n\nIn the meantime you will also want to set up a household budget to see how much money is coming in and out of every dollar, how many pennies are being committed to bills.  Once you know what you have to work with it will be easier to plan out the upcoming months.\n\nIf you have a lot of extra cash that you can put toward the debt, make sure that you also set aside a reasonable amount into your savings account (if you have $150 that you can send to your card - send $130 and put $20 into savings) \n\nThe reason that you want to put money in savings is that you will begin to build up solvency - meaning that you won't have to rely on credit should some unexpected expense come up... (new tires, emergency repairs, etc)\n\nFinally, once you have paid off the debts, DO NOT STOP PAYING- only change where you are sending the money... what I mean is, put that $150 into your savings account so that you can start building up a bit of a nest egg.  Having accessable cash help to further stabilize your finances.  Everyone should have at least 6 months worth of living expenses available to them in their savings account.\n\nThis is an emergency fund that will prevent you from going back into debt should you lose your job, have to move or encounter a large expense down the road (want to buy a home, etc) \n\nThere are several professional services that can help such as Debt Management and Settlement Companies, but if you are responsible and can handle taking 3 hours a month to look over your situation you don't really need them.  Always be proactive with your debts, always look for ways to save.  With a little patience, self-control and determination you will be out of debt in no time.\n\nBest of luck to you.
213017
Stop eating out, or whatever you spend the most non-essential money on. Then take all the money that you would have spent, and put it toward fighting your debt.\n\nBe consistent. It should only take you 18 months, which is Small in comparison of 30 years. Think about it.
735450
if your adventerous, get a job over here in iraq like i did.  i came over here $125,000 in debt back in 2003.  by next april, i will be totally debt free.  i would have been done a lot sooner, but i splurged a little on my vacations.  i'm with halliburton(kbr), but there are many companies over here that pay well.  the first $80,000 is tax free.  each month i bring home anywhere between $8,000 to $11,000 a month(bring home), depending on if it is a four or five week month.  it can be dangerous at times, but i have been here 3 1/2 years and i still have all my fingers and toes.  good luck.
187380
1) Call your Creditors, tell them you are willing to make monthly installments if they bring your interest down. Negotiate a better interest first-\n\n2) Access you cards, take the highest credit card amount and begin, making double payments.\n\n3) While paying the minimum on your lowest credit cards amounts.\n\n4) Once your higher credit card is paid off, begin double paying the next highest card, etc.\n\nEventually you will pay off your highest interest rate, with the highest amounts first.  That should even out your credit score--give it 1 month after the final payment of each card for your score to go up.  \n\nOnce you have paid off from the highest to the low and you've waited 30 days from the final payment of the last card.  Check your score and then consolidate anything you might have left.\n\nGood LUCK and prosper...;*!*;...
279591
you could probably go to court talk to a judge and work out some sort of payment plan and get it paid off in a year.
895082
You need to sit down and make a list of all your monthly bills that don't change.  Rent/mortgage, car note, insurance, etc.  Then estimate your variable bills like utilities, gas, food, etc.  Subtract these from your monthly income.  What you have left over is BILL PAYING MONEY.  Divide this number by two and that will tell you how much money you should put towards those CC payments at EACH paycheck.  Don't just pay those cards once a month.  Pay them every time you get paid!  This will reduce the interest charges you incur, as well as increase your credit score because you have a lower revolving balance.  The faster you pay it down the better off you will be.  Once you get that under control, set a limitation on yourself. Never put more charges on that card than the extra money left after bills that you calculated earlier.  I know this sounds tedious, but will some discipline you'll get the hang of it and it will be like second nature after a while.  Pay down the bills with the highest interest rate the fastest, but don't ignore the other ones.  Have fun with it and mark your paydays on your calendar ahead of time to remind yourself to pay those bills!  I started doing this almost a year ago and my credit score is now 740.  I started at 640!  Every time you want to buy something unneccessary and charge it, just think about how much better off you'll be if you maybe wait a while until you can afford to pay cash for that same item.
521479
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