Advice on clearing CC debt

pickles110465

Can anyone advise how I can deal with CC debts I can't afford to keep paying?

sarahs999

You need to post an SOA so we can see what the issues are. Lots of useful people on here so don't feel shy!

Sue-UU

Hi pickles and welcome to the forum, it's the perfect place for all of us who have money problems as it's here that we can start to get them back together again, in time.

Firstly, as sarah says, you need to do a Statement Of Affairs (SOA). Go to http://www.makesenseofcards.co.uk/soacalc.htmland they have exactly what you wish to complete one for all your yearly expenses and income. Put everything down and work out (by month) what you spend, Put down everything including Christmas/Birthdays etc, anything and everything you spend money on.

What CCs are you with and roughly how much do you owe? All this info will help us to help you and you may well be able to come to an agreement with them until things look better. The first thing you stop doing is worrying, it won't sort things for you, and if you keep a calm head you'll be able to get through it all.

There are so many of us just like you here, have a look at some of the dilemmas here,you'll see you're never alone on MSE!

Don't forget the SOA!

Best wishes, Sue

blakester

pickles110465 wrote: »

Can anyone advise how I can deal with CC debts I can't afford to keep paying?

The OP is a troll folks, please see the house price/recession forum for confirmation

Harry_Powell

What's a troll?

Well, apart from a mythical creature who lives under a bridge and likes to eat goays.

Sue-UU

Hi Harry and welcome to MSE!

This piece from wikipedia describes a troll perfectly

"An Internet troll, or simply troll in Internet slang, is someone who posts controversial, inflammatory, irrelevant or off-topic messages in an online community, such as an online discussion forum or chat room, with the primary intent of provoking other users into an emotional response[1] or to generally disrupt normal on-topic discussion.[2]"

In short someone who's a bally pest to us all and certainly takes up our time for nothing at all!! Click on his name and "view his posts" and you'll see what we mean.

blakester is absolutely right, so beware of folk like this.

Apart from that MSE is a fantastic site and serves us all very well indeed.

Take care.

Sue

Merlinexcalibur

However, unfortunately, some do get labelled. And labelling is very dangerous whether online or in everyday life. Though, I did spot this particular one from their first few posts. But I have given up saying things now, and prefer to let everyone find out for themselves. Because saying, when others cannot see often gets you into trouble indirectly. People goad whether new or old. It would be naive to assume that never happened or didn't. And very often people get labelled purely for having a disagreement with someone online. Perfect weapon when said and done. And because they are longer standing, people are often not very prone to believe or see those things.

And a quick foray into the nether regions of MSE turns up ... the dreaded word 'sockpuppets' so I see MSE isn't any different from any other forum in that respect. I knew it had to be here somewhere.