I need your brain power.

[thebanich]

Thanks for your thoughts and advice

[14joa31]

NOOOOO!!! This majorly blows - I am so sorry. If you can find a 0% interest credit card, I would just put it on there. Then you can pay it off when you get reimbursed for your child care FSA or your tax refund. GL!

I wish I could knee that debt in the balls for you!!

[thebanich]

Aug 8, 2016 13:26:00 GMT -5 14joa31 said:

NOOOOO!!! This majorly blows - I am so sorry. If you can find a 0% interest credit card, I would just put it on there. Then you can pay it off when you get reimbursed for your child care FSA or your tax refund. GL!

I wish I could knee that debt in the balls for you!!

14joa31 Thanks. Its probably the best option I have even though I hate the thought of it!

[14joa31]

The Oprah's Financial Advisor says that sometimes you can negotiate the debt down with a collections agency. That could be worth a shot too:

www.oprah.com/money/Suze-Orman-Debt-Advice-How-to-Get-Out-of-Debt

[valie]

Sorry I'm no help here. I hate debt. I would be calling my parents - I've never asked them for a loan although they did offer when I bought my car and I know they'd do it for medical bills.

[scorpioscuba]

Ugh this sucks. I'm so sorry but it happens to the best of us. I've certainly made plenty of financial mistakes I'm not proud of. I would see if you can negotiate it down and then put it on a 0% interest credit card and schedule payments on it. Chase Slate is a good one that I've used in the past to pay down debt without paying interest.

[thebanich]

Thanks guys. Parenting talked me down from the credit card ledge. I talked to the amazingly kind rep over the phone and got a plan set up and she blocked the account(s) from the credit bureaus.

[dizzycooks]

I missed your post but it sounds like you have a plan. Financial things stress me out.

[kcrkcs]

I missed the story too. Glad you have a plan sorted. Money is so stressful. And medical stuff is so expensive. Ugh