christian7759 Posted July 26, 2005 Report Share Posted July 26, 2005 I JUST LOST MY JOB TODAY.. IT IS VERY UNFORTUNATE!! MY POSITION WAS ELIMINTAED WITH THE COMPANY I WAS WORKING FOR.. I WILL BE ABLE TO COLLECT UNEMPLOYMENT THOUGH!!!MY QUESTION IS THAT I HAVE ABOUT 12,000 IN UNSECURED DEBT(CARDS AND PERSONAL LOANS RANGING FROM 14-28%)ALL MY DEBT IS CURRENT. I AM NOT LATE ON ANYTHING.IS CCCS AN OPTION FOR ME??? OR SHOULD I JUST TRY TO MAKE THE MINIMUM PAYMENTS ON EVERYTHING(ROUGHLY 360.00)I DON'T WANT TO RUIN MY CREDIT BECAUSE I KNOW I WILL HAVE A JOB WITHIN 6 MONTHS...I AM OPEN TO EVERYBODY'S THOUGHTS ON THIS AND WOULD APPRECIATE ANY INPUT!!!MANY BLESSINGSCHRIS Link to comment Share on other sites More sharing options...
codename_fortyseven Posted July 26, 2005 Report Share Posted July 26, 2005 WOAH nellie! First, your caps lock is stuck. Second, as far as CCCS, HELL NO. CCCS is a scam, see if you can call your creditors and work something out or get in a hardship program or something. CCCS is a good way to nuke your credit score, so if you might have something lined up in 6 months shouldn't really even be considered. You have unemployment bennies right now, which should be worth something and hopefully can meet the minimums on most of your accounts. Tell your creditors what you told us and that you need to work something out if you are going to stay current. At any rate, a few 30/60 day lates are FAR less a deduction than being in CCCS. Link to comment Share on other sites More sharing options...
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