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I hope you can help.  My husband and I have have a substantial credit card debt.  The interest rate on most are 28.99%.  We have tried to talk with the credit card companies to reduce the rate.  They refuse to work with us, stating that we have been 10 days late in some months.  With that interest rate it's hard to keep up with the min. payment at times.  We are willing to do whatever it takes to pay them down.  But with the interest rate as high as it is, makes it very difficult.  Any suggestions on ways to approach the credit card companies?  We would love any suggestions.  Thank you, Eileen         

I'm owning my home it great but in the last 5 mths i have lost 1524.00 in bounce checks. Mostly happens when my draft of Mort. Pymt every two weeks of 815.54 happens. I only get paid twice a month.

After all pervious headaches things are looking up. Starting this Decemebr I will get paid every 2 weeks. Also the adjustable Interest Rate startd. It appears that my drafts went out of control due to paying via online, elertonic debits> In carelessness I didn't write it down. I was 100% better in handling my monies.I need to see the vision evidenece that I made those transactions. There only one income of 61,300 and credit card debt of 12,000, car 368.00, loan 9,900> mort. ev2 wks $815.54.
If I can refi ?? Credit score drop from
614 < 569. I can't catch up. what my best options?

Can the Mortgage Company hold off until I straighing things out with my Bank Account?
This is killing me of check fees!!!!.