Once upon a time I had good credit...

There was a time years ago when I did have very good credit. A few major life events later such as a loss of a job then a divorce created a situation where not only did I not have good credit anymore but I was in debt. My husband at the time was not interested in debt consolidation, he opted to file for bankruptcy. I did not, not realizing at the time that while he became free and clear of all of that debt, that creditors would come after me for all of the money owed. I decided to opt for credit counseling as a way to get credit card debt help. It took a very long time to be able to get most of that old debt taken care of and deal with new additional medical bills at the same time.

Since I did not own a home, the option of a home equity loan was not open for me as a solution. Eventually I'll get to the good credit stage again, a much wiser and smarter consumer when I do get there. I learned quite a bit during those years and the hit to my pride and my self-esteem in needing help from friends and family is a huge motivation to be able to succeed. While they were all great about it, that feeling of failure was hard to shake. I highly recommend that if you are experiencing problems with debt that you address it now rather than wait. I know better than anyone the tendency to put it off since it is so overwhelming you think you can't solve it, but at times a solution is possible and Debt Help could assist you in finding that solution.