Credit card payment troubles

lstarkey

Ok, so basically i have two credit cards i am currently paying minimum payment on, with out explaining too deeply into why i have these credit cards, i was in a relationship and moved into a new place with my partner, they started using my credit card, obviously being loved up and not knowing that it was the wrong thing to do, before i knew it the credit cards were maxed out and i was left alone to pay them off.
i have been paying them off no problem but its starting to get a little hard no, i have no money left over when i get paid, have no life outside of work and just work to pay off debts and there seems to be no end in sight. what i am trying to figure out is would it be better for me to let these go to a debt agency and let the payment get lowered ( i know that is a very stupid idea but i cant see any other way out ) i have no life and its really starting to get me down.

stephane_2

Before even considering something like you suggested, I would get in touch first with a debt charity like Payplan, nationaldebtline or your local citizen advise bureau, they will deal with your creditors directly and negotiate a lower repayment plan....

lstarkey

stephane wrote: »

Before even considering something like you suggested, I would get in touch first with a debt charity like Payplan, nationaldebtline or your local citizen advise bureau, they will deal with your creditors directly and negotiate a lower repayment plan....

i didnt know this, ive been tearing my hair out, feeling like im getting know where, really getting me down, thank you!

bouncydog1

Before you do what has been suggested, which will trash your credit record, suggest you post a statement of affairs on the debt free board.

stephane_2

bouncydog1 wrote: »

Before you do what has been suggested, which will trash your credit record, suggest you post a statement of affairs on the debt free board.

Indeed...and contact a debt charity ASAP.....