Still trying to find out from
CW if we qualify for anything. Now they tell me to call another number 800-669-0102. This would be the 3rd number I have called. At this point we are now getting behind on cc payments and the calls are starting, but we are making the mortgage payment by at least the 6th of the month. Have to pay by then as on the 7th they start charging and extra $3.00 to pay, and of course after the 15th the big late fee is tacked on. Now we are in position of losing the decent credit we have because we can't pay all of the cc on time, so even if we stuck this out for a year or two and tried to refi out of this high interest rate we won't be able to because we trashed our credit trying to keep the house. If I pay everything on time we have about a $100 deficit at end of the month, and that is if we cut food bills to bear minimum, keep heat at about 66 degrees to keep heat bill down as much as we can( already 50% higher than last year this time because they got to increase the bills). CC companies have declined to work with us. I'll call the number we got from
CW, I just wanted to know if our account had been flagged for the Dec. 1 program, so I can make an informed decision as to what we are going to have to do. If
CW won't help then I guess the lessor of the two evils is to let cc debt, go. Trashed credit is trashed credit no matter how you look at it.