I'm not struggling to make minimum payments on any

I'm not struggling to make minimum payments on anything. I'm able to make all those, but I'm not able to make much headway on paying down principal on the unsecured debts because of high interest rates. I've squeex\ed just about everything out of my expenses. I'm not really sure how best to proceed.

3 Answers

Contact a debt consolidation company and negotiate with your creditors to lower the interest rates so that you can repay the loans in affordable monthly payments. Look for some secondary source of income so that you have enough income to support  while making the repayments.


You'll have to make some extra payments on the debt in order to get rid of it quickly. Keep on making minimum payments on the other debts. Find out ways to increase your income. Do part-time job or over time. Use this extra money towards the payment of the high interest debt.


How much do you owe??  What types of debt?  It is hard for us to comment without more information .

How to Deal with Illegal Loans..OhioGal's Primer
http://www.debtconsolidationcare.com/paydayloan/dealingwith-illegallenders.html
PDL's are ILLEGAL in the following states...
AR, AZ, CT, GA, ME, MD, MA, NJ, NY, NC, PA, VT AND DC
OH AND NH have very restrictive low cost interest rate laws.

SOL for all states
http://www.debtconsolidationcare.com/statute-of-limitation.html

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