Okay, I’ve taken my first step to getting out of debt. I’ve contacted a credit counseling agency and they are sending me information on budgeting. I will order a copy of my credit reports (a free tool online that was recommended was: http://www.annualcreditreport.com) and will then contact my creditors to try and arrange payment schedules. Unfortunately, many of my accounts are in collections and that scares me since I see them as being “the big scary guys”. I’ve got to do it though – no more hiding!
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