Jubilated - Become Debt Free

Finally had the chance to speak to greenpath debt solutions for debt management,i spoke to a very nice lady from the midwest,she explained to me what they do,how they can help me etc…i was actually very impressed with how nice she was to me,they are non profit but they make some money on fees and the credit card companies support they as well,so after telling her how much i make,expenses and expectations,the conclusion was kinda dissapointing though because it seems what debt management will do is lower the apr,no more late fees and stop the collection calls till you pay off the debt,but the payment monthly would be like the same thing if i kept paying ” a little more than the minimum” its fine if you want to pay off the debt it will actually take a couple of years to accomplish this,but if you are in a hole like i am i would rather not pay anything at this point if i cant afford even my daily living expenses,well the lady from greenpath debt solutions actually told me my income right now will not be enough to get on the program because i will not have enough money to live,so she will check in on me in a few weeks,i do have another plan that will be in my next post.

Ok finally have an appointment for debt management,was sent to GreenPath Debt Solutions from HSBC since i cannot pay my bills any longer i want to see what debt management is all about basically you pay them then they pay the creditors you owe but the late fees and collection calls stop,but im thinking to myself the whole country cannot pay their bills right now im pretty sure the credit card companies dont have enough staff to make all these phone calls LOL,these companies have hit a brick wall,must suck to start losing your slaves which were paying “a little more than the minimum” what a joke!!!,i feel like im on a welfare line LOL

So i took the step to actually call up one of my credit cards last week,like i said im an honest guy i would love to pay my debts and get on with my life and never use a credit card again….but recently since it hit me that im a debt slave im starting to see the light,whats the worst that can happen? ok im late on the payments,how many other americans are late right now??? the whole country is messed up plus im jealous and pissed off that the big banks are getting bailed out,and we as taxpayers cant!!!,anyway i call up HSBC credit card which used to be household bank credit card,told them well i cant pay i have been paying my card forever but cant right now,economy stinks,i was surprised they were actually nice to me on the phone,im telling you i was very surprised here i am thinking its the end of the world and im probably number 10000 that called today to tell them i had no money,so she tells me to call a number for debt management i have never heard of this before,basically you join a program,they close down all your credit card accounts the late payments stop and you should get charged less interest every month till you pay off the debt in a couple of years or so,so debt management will take care of the payments you have to pay them every month,im thinking this is not bad will call tommorow and find out about this.