Are those non-profit debt consultation companies bogus? I see them advertising on tv all of the time saying how they can lower your monthly payments.
We have 2 Best Buy cards that are never paid on-time. They are due on the 27th of every month. Unfortunately, we get paid every 2 weeks and usually our mortgage is paid with our 1st paychecks of the month. I called HRS USA, which is where our Best Buy payments are sent & explained about a financial difficulty paying on time. The lady I spoke to said we could change the dates, and I said I'd like to. So, she asked me what was a good date, so I suggested the 30th or 31st, and unfortunately she said no. They can only go as far as the 27th!
I hate paying the minimum payments on our debt
It gets us nowhere! Our credit union and Wells Fargo has denied us for a loan to pay off the bills because we have a high debt ratio to income!
Any suggestions? I look at it this way: as long as my mortage, home equity, water & electricity gets paid that's all that matters. I hate for my late payments on our credit cards, though, to go on our credit rating.
We have 2 Best Buy cards that are never paid on-time. They are due on the 27th of every month. Unfortunately, we get paid every 2 weeks and usually our mortgage is paid with our 1st paychecks of the month. I called HRS USA, which is where our Best Buy payments are sent & explained about a financial difficulty paying on time. The lady I spoke to said we could change the dates, and I said I'd like to. So, she asked me what was a good date, so I suggested the 30th or 31st, and unfortunately she said no. They can only go as far as the 27th!
I hate paying the minimum payments on our debt
Any suggestions? I look at it this way: as long as my mortage, home equity, water & electricity gets paid that's all that matters. I hate for my late payments on our credit cards, though, to go on our credit rating.