It doesn’t seem like anyone has done this

I’ve read several of Dave’s books and I just was hoping to hear some real life experiences from someone who has done it.

Basically, what I am going to do is go over my budget for the millionth time and see if there are any more cuts. Then I am going to determine what is the total amount that can be applied to creditors.

I am unable to pay the minimums on any credit cards at this time. This will change but at this time that is where I am at.

I am contacting the creditors this week to discuss payment plans. I will discuss with them also my allotment plan. My only concern is if the creditor decides to sue but I guess I will deal with that when and if it happens.

One of my creditors is MBNA and I’ve heard that they are quick to sue but we shall see.

I appreciate all the other encouragement. I’ve lowered my regular phone/dsl bill so that is a least a little bit of help in the budget.

How is everyone else doing?