I need help getting out of DEBT!!!?
469760
Lauren, most companies are more than willing to make payment arrangements if you call them. Your debt is very small compared to most people so don't feel so bad. Without knowing what your other living expenses are, it's tough to spell out  exactly what you should do but the key is to avoid building up any more debt. Keep you car loan current so that you can get back and forth to work. I'd just pay the Capitol One bill because it's small. As for Amex and Cingular you should send each of them as much as possible with whatever remaining money you have. Call them and see how much they will except per month. Just be careful not to drag out the Amex bill too long if they are charging you interest or else you will just be paying interest and not getting rid of the bill.\n\nLastly, you should let your mother know how much you appreciate her help.\n\nGood luck.
405556
Take all your debt and put them in order from the smallest balance first to the biggest balance last. Add up all the minimum payments you need to make to find out your minimum monthly obligation. Figure out how much more you can pay every month and add that to your first account. Pay in this way until account one is clear then take the money you were paying for account one and apply to account 2 along with its monthly payment and so on and so on. This will get more accounts paid off faster while giving you a steady bill to work with. The more you pay extra the faster it goes so a second income might not be a bad idea. Good Luck !
674214
Step one - figure out exactly how much you owe and to whom.\n\nStep two - if you can't pay everybody, start by setting aside funds for your food, shelter, transportation, and clothing (all stuff you need to live) and a small emergency fund ($500-1000).  Talk to your apt. landlord and see if you can get out of your lease a month early - this may be cheaper than paying the rent for June.\n\nStep three - if you can't pay minimums on everything, contact your creditors BEFORE they start calling you.  Try to work out a payment plan that YOU can afford.  Don't let them tell you they need a certain amount (more than what you  told them you can pay).  They'll be happy to get something from you.  Only you know how much you can afford to pay them.\n\nStep four - list all your debts (except "mortgage") in order from smallest to largest.  Once you have the emergency fund, pay as much as you can on the smallest debt and minimums on everything else.  Once the first is paid off, use the money you were paying them to work on the next largest debt, so that the total amount you're paying on all your debts stays the same.  Some people may say to start with the highest interest rate, but (in the end) the amount of interest you save is so small, it really doesn't matter.  This way (smallest to largest balance) you see progress pretty quickly and it encourages you to keep going.\n\nStep five - once you're debt free, remember all the mistakes you made and how horrible this time was so you don't end up back there.\n\nIf you need more info, go to the library and look for any books by Dave Ramsey (Financial Peace, Your Total Money Makeover).
3448
If this is a serious question, you really need some specialized help. There are a number of non-profit debt counseling agencies that are accessible from the web. YOu need to set up a program with you to get out of debt to the IRS, establish a more positive credit history, and help you to learn how to keep this from happening to you again.
450180
Don't get into debt to begin with!!  But if you already have, then the main thing is to pay more than the minimum required by the credit cards, etc.  That's the #1 way to pay off the debts quicker and to pay less interest. Even if you have to get another job. And this philosophy go's for any age! Good luck!!
638498
try to consolidate your loans and set up payment arrangements that can fit your budget ...or try to find some federal programs that will either reduce or total eliminate your debt by partcipating in them and possibly getting a good job while doing so
478036
Living your current life has, presumably, put you into debt. I don't think anyone can promise you a method to get you out of debt without your making changes.\n\nThings that you can do include:\n- spending less, even if you still go out\n- making more than minimum payments on credit cards; pay more than you've charged for the month plus the interest due\n- negotiate for lower interest rates on credit cards\n- don't charge things on credit cards\n- start saving money so that you have resources should the unexpected occur\n\nYour public library should have books that help you gain control of your finances. In addition, I'm sure there are several online sites.\n\nDon't expect things to be easy, or a quick fix. But with a little planning, you can start gaining your financial independence.
460443
Read Dave Ramsey's book: The Total Money Make-Over.  He has a radio talk show too which airs in most cities.  I listen to his show often and people call in with situations very similar to yours.  DON'T FILE BANKRUPTCY until you have checked out this guy's book or talk show.\n\nP.S.  Prayer never hurts.
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.
1047151
Try going to a local church for the help you need.  Those fast loan places are bad news.  Your financial problems will only increase.
242284
get a friggin loan like everyone else you GD loser...\n\nHey everyone!!! for no reason what so ever I would like you all to send me $50... please, please, pretty please!!!!
1036265
You want to investigate www.daveramsey.com and get Dave Ramsey's books from the library. Debt consolidation is NOT the answer. Not trying to be preachy here but the answer is the debt snowball and careful budgeting. I know it sounds insane but it works. Get his book from the library and give it a try.
682183
If you can get by without a car and you have some equity in it(it is worth more than you owe) then you should consider selling it.  However if you are one of the many people who depend on their car for your livelihood, make sure you pay your car payments.  Let the lender know that you are having trouble.  Also contact the utilities(water, gas, electric) and let them know that you are having trouble paying.  With your utilities find out what is the least you can pay to keep them from getting cut-off.  Also ask if there are any assistance programs that you are eligible for.\n\nStart keeping track of every penny you are spending and try to eliminate as much of the unecessary spending as possible.  Put your surplus towards reducing your debt.  Once you get out of debt you can easy up a little, but still make sure you have enough extra that you can start to build up savings.
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.
170265
so shy,\nI really feel bad for people in your situation.  But fear not, there are a few things you can do.\n1.  Being that you asked this on a religious board, I'm assuming you belong to a church.  The first thing you need to do is talk to your church leader about this.  They can take up a collection for you to get you out of some immediate debt.  \n2.  You need to really decide what is luxury and need and cut out the luxury for now.  For example, if you subscribe to cable, cancel it.  Unless you need the internet for work, cancel it.  There's an extra $50 a month right there.  \n3.  You can see if you qualify for welfare.  Your local welfare office can help you with this.\n\nI hope this helps and God bless you with your finances.
28453
Don't post this kind of message online.  You are asking for trouble.\n\nTalk to your Mom and Dad, Aunts, Uncles and family who can help.  The real problem is your inability to manage your personal finances.  Take a course or seminar on managing your money and STOP over spending.\n\nyour current situation is a tough way to learn that credit isn't free.  But hey we all make mistakes.  \n\nGood 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.