|
Mcan - question for you.
Have you been consistently paying 'anything' to the CC or the student loans each month ... or have you just said 'to hell with it, I don't have the money'?
If you're making any effort at all to pay something monthly, while it isn't making a dent, it's showing you are trying and could help your cause. If you are months behind with no payments and no proactive phone calls to state why... I don't know that they will do anything to help you.
__________________
|