Aidpage

 in response to disabooo...   Dear Disaboo, that is exactly what I have been doing. But the debt does not seem to be shrinking. I have two of my cc on a program that is helping, but it will be another five years before I'm free of that one. The other debts the agencies will not take.
However, thank you so much for you advice. The last thing I'm thinking of doing is the snowball effect. Seems similar to what you are saying rating them.
Thanks again!

There are many credit agencies who will put your bills on one bill. But be very careful, as they charge large interest rates to do that.

If you don't want to spend for this "help", you can make a list of the people you owe. Rate them by the interest rate that they are charging and which ones are charging late fees. Pay the HIGHER rates first, but don't neglect the others - pay the minimum. Cut your expenses or get another job, so you can pay for these debts. Then quit borrowing - the exception is if you get another credit card (WITHOUT financial charges) with a low interest, you can put the higher charges onto it.

THEN QUIT BORROWING. Buy only what you need. Help someone else.

 in response to cashay...   Thanks, where do I see the post?

 in response to Inspiration...   Thank you very much! I appreciate any advise or help.

 in response to cashay...   I agree with you 100%

 in response to cashay...   Well, I will leave that the persons discretion. I would not want to impose, but it will be nice to pay off at least two of the debts to be able to pay back at $1000.00

 in response to cashay...   I am poor and needy as well, so I understand and appreciate your honesty. However, when I am blessed with a little extra, I try to send some to those in need. When I was a child, my uncle committed suicide and I've always been haunted by that event. I've read tragic stories, (some here on Aidpage), where people have attempted suicide after being pushed over the edge by something negative someone has said or done to them when all they needed was to hear something positive. Sometimes a person is just searching for a reason to keep on living or a reason to give up. I like to give people a reason to live.

 in response to keniola...   I personally don't have any money that I can lend you, but I will definately look into some resources that may be able to help you. Give me a little while and I'll get back to you.

 in response to Inspiration...   Inspiration, thank you for words of comfort. I'm looking for answers to come out of this heavy load. I'm sure everyone here is too. Yet, as you said desperation is key here and I'm hoping doors of hope open up....

 in response to cashay...   Please don't be so mean to people who are here asking for help. How you respond to someone who is desperate for help can make or break their spirit. If you can't help them, it's better not to respond at all.

 in response to cashay...   I understand, I'm not saying you or the people in are the the Millions Club, perhaps people with great ideas that have generated the money they need. Also, all of the work from home jobs say people make a lot, but that is not so true and one needs to invest. But if someone with money is willing to invest on me, the only promise I can make is pay them back since the banks are not willing.

I was also thinking of doing the snowball effect payment. Has anyone been successful on this? Any idea on how to go about it?

 in response to cashay...   That is after the $55,00.00 come in. Once all of my debt is into just one, it will be easier to pay.