Hi I'm in DESPERATE NEED for QUICK ANSWERS to my c

Hi I'm in DESPERATE NEED for QUICK ANSWERS to my credit card debt problems TONIGHT!
I had excellent credit only a few years ago with 18 accounts in good standing and a FICO score of 780. Since losing my job and failing at freelancing from home I now have racked up $7,000 outstanding debt on a BOA card and $7,000 on a U.S. Bank card and a few thousand spread out on a few others (total about $17K). I got a 30% Settlement offer from BOA finally after falling 120 days past due which I plan on accepting before the end of next week or they say it may be charged off!

What I really need some advice on is the US Bank credit. Its already two months past due with $350 due now. I got less than an hour to decide if I should accept the U.S. Bank Hardship program tonight? I really can't afford even $109/mo. at the reduced rate of 7.4% with no job yet.

Question is: Should I let the US Bank card go past due and wait for a Settlement offer or should I take the Hardship program for 12 months? They say it will report tomorrow. I don't want to hurt my credit anymore, but I really can't afford the Hardship program right now and am told they will still report it late for 6 payments!? Please help!

6 Answers

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I don't think you have any option. What I feel is that you should accept the hardship program. Borrow $109 from your friends or family for this month. Search for a part-time job. You can do a part-time job till you get a full time job. You'll have a steady source of income. Best of luck!


Your credit score is going to take a hit one way or another. A hardship program will let you pay off the debt slowly and how it reflects on your credit score entirely depends on how your creditor reports it. A debt settlement program on the other hand may require the account to be charged off before the process can begin. In this case your credit score will take a bigger hit.


Since you are in a financial crisis, so try to settle your debts on your own. Look at this page to know how to do it yourself:
http://www.debtconsolidationcare.com/steps.html
 


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