Turning corner with money

 I received some very good financial news from a law firm I hired. 

Back in 2017, I grew very concerned about the amount of money I was spending just on interest/financial charges on my credit cards. When you think of someone in financial trouble, you think of them spending too much money, doing vacations, new cars which they can't afford. That's not the case w/ a lot of people and it certainly not the case w/ me.  A vast majority of it was having a car w/ 100,000 miles on it and it required lots of repairs to stay drivable. How do you cough up $400 all at once so that you can get your brakes fixed? 

In 2017, I looked at 1 of my credit card bills that was solely related to car repairs. 30% interest to finance something like $5,000-$10,000.  That's a lot of money.  I tried to go with several programs that would help me borrow $$ at a much lower interest rate. But I was rejected 

About the only place that offered help was Gitmeid Law Office which has a nationwide debt relief program.  I paid them money each payday.  The lawyer went to each of my credit card owners and said, "He is in very difficult financial shape.  We ask that you reduce the credit card balance he owes you from (the reduction is somewhere between 25-60%).  Your choice is simple.  We can guarantee that he will pay ___% of what he owes you.  Otherwise, he may go bankrupt and pay you nothing." Negotiations occur.  When credit card company agrees, they are paid a lump sum (which they like) from the money I've been paying into the escrow every other Tuesday.  
So, I had quite a bit of credit card debt. One disadvantage of the program is the credit card companies go to all 3 credit bureaus and report that I'm only going to pay part of my debt.  Then my credit score goes down.  But that's a small price to pay compared to paying $10,000 a year interest to finance credit card debt. 

They said that I would be finished in about September. But something good must have happened b/c I got done Tuesday.  With the last credit card debt, I owed less money than expected (or maybe Gitmeid came up w/ a better deal than expected).  So I not only was told I no longer have to pay Gitmeid $480 a month, but they were depositing into my bank account nearly $700 (money left over after paying all debts).  

That's good news, happy news.  My problem and reason for getting into debt was that I was not making as much as I needed to make in the middle of last decade. It wasn't from excessive spending. I am happy I decided to go w/ the Gitmeid Law Firm debt program.  If you are falling further and further in debt, you must do something!