So basically I make about 65 k, and have about 45k. Take-home after taxes each month is around $3600. My rent and required bills are about $1900, and I have over $1000 in minimum credit card payments. I was on a credit relief plan for one year, but I don’t qualify, I’ve already done balance transfers before as well. I live in a HCOL area and so rent for now is not negotiable. I’m scared this debt will just continue forever, I would love to have to not worry about it anymore. My credit is fair, close to poor. I just don’t know if this option is too extreme for my situation
submitted by /u/ApprehensiveItem4
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