Question

Can y’all please please advise me on what y’all would do?! Now that I have money to use I’m completely frozen scared on what to do and can’t think! -Credit card $1800 Purchase APR 19. 40% Cash APR 26. 49% Minimum payment app $90 month/I can get current with a $500ish payment. -Med bill $400 -Med bill $700 -Med bill $600 The medical bills are scaring me! They went to collections bc I couldn’t pay what they were asking each month. Right now paying $0 on them monthly. *** I’m scared to pay off credit card instead of med bills bc it’s only $90 month and that won’t cover a minimum payment on the other three.  

Answer 1

Now I don’t have any at all:( but I did pay off two small doctor bills, catch up credit card, and get caught up on monthly bills so I can atleast budget now. I guess I’ll take my husbands overtime and try to offer that. He usually is able to get some once a month. It’s so frustrating but I know we are definitely in a better place now.  

Answer 2

If medical bills went to collections they may settle for less than what is owed. It's worth a shot to speak with someone to see if you can negotiate.  

Answer 3

How much money do you have to put toward debt? Is it a one time thing or will you have this money monthly. That would influence my decision.