debt consolidation
So you say you have pinched that penny until it squealed? You have developed carpal tunnel syndrome from clipping those coupons. And to top that a little more, you have even given up those pricey, yet ever so trendy and yummy coffee drinks on the way to work and most days you don't even miss them. But here you are in dire financial straits. Here you are in that unspeakable pit of despair where you cannot keep up with your credit card debt AND pay anyone else regularly.
Have you considered consulting with a credit counselor and checking into how debt consolidators work? If you have not and you are becoming weary just worrying about it, then it is time to get off the couch and get on the phone. Instead of finding some nasty collector on the other end of the line, you will find a person out there that knows exactly where you are coming from -- in the financial sense. Credit counselors are not just out there to shake their finger in your face and reprimand you about your situation. They are there to provide a service to everyone out there that finds themselves in a situation similar to yours.
It doesn't really matter how you got to where you are now. Not everyone facing a mountain of debt is just irresponsible or stupid. There are often things beyond one's control that have left them with tremendous debt. Debt consolidation may not be the only option out there for you, but it is a good place to start.
Finding a good agency out there that can explain the pros and cons of www.eliminatedebt.org to you is not all that difficult. And if it appears to be a viable option for you, along with eliminating those harassing phone calls, it may wind up reducing your overall interest rate and excusing those late fees. It will definitely help to keep you on a livable budget and give you the confidence to keep going until that crappy financial situation is turned into a reasonable financial situation or better yet, a pretty darned good financial situation.
Remember, you are not alone. With the economic woes of the world today, you are just another person caught up in the mess. Remember, you don't have to take any steps that you are not reasonably comfortable with, you just have to take some kind of step forward to find a resolution to the problem. Doing nothing gets you nothing. You cannot ignore it and hope it will go away. It won't. It will only continue to grow until it devours you. Take that step...one small step for mankind, one great leap for you!