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[quote=Anonymous]OP, this is PP here who paid off 10k of debt. Please repost your situation on the money forum and ask for advice for a plan. You need a plan, a real one with steps that you follow.  Right now you sound like you feel desperate, in a black hole with no way out.  It may seem like it but it's not true.  You can dig yourself out of it. Sometimes people are their own worst enemy and self sabotage their problems.  But you can stop.

It sounds like you have debt spread over several cards. You need to write out exactly how much is owed on each card and the interest rate is for each.  Can you pay off all of it today? If. So DO IT!  If not, there are two theories: 1) pay as much as you can on the one with the highest rate or 2) if you have enough to pay off any of the cards in full, pay off those card(s) completely regardless of the interest rate. I subscribe to the second theory, because being able to pay off a balance in full and pay off completely a card is a mental victory and one less card to worry about. It gives you a sense of accomplishment and more confidence going forward to make better decisions.  I am serious.

Most cards allow you to pay online. Login, pay off a card's balance you can afford today, all of it. See how much lighter you feel. See how less stress you have.

Then I would recommend seeing if you can open a new card with 0% apr for 12-18 months with free rollover balance and roll over all the other cards to this new card to basically freeze interest from accruing.  Give yourself some breathing room.  Give yourself a break here. You are not a terrible person. You made some mistakes, you're human after all.

But if you post on the money forum there are some seriously dedicated financial gurus on there who reply with good advice IMO. Try it out! [/quote]

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