Am I a candidate for this program even though I am not months behind in payments. – RaeAnn

We are in credit card debt, $65K. We are current on the accounts with late penalties for the months the due date didn't coinside with the cash flow. The debt is a culmination of finacial stupidity, medical bills and high interest rates and fees. My husband & I want to file for divorce but can't afford a 2nd household. I have extreme rheumatoid arthritis and qualified for disability. my husband won't file bankruptcy, we would have to divorce and being I will be living in poverty I get the statistic status of going bankrupt not him. This is not a bitter ugly affair so if we could actually get control of the debt we can pay this off together. We are making no headway at the rate we are going.

Am I a candidate for this program even though I am not months behind in payments.

—RaeAnn

Hi RaeAnn,

Your personal situation would suggest bankruptcy is the right option for you to look into.

Your husband is a different matter. If you file bankruptcy, you will no longer be liable for the debt, but he will be.

If he will not file, he will have to come up with a solution that will work for him.

I am glad to hear that this is not a messy separation. Working together on this will benefit you both.

You do not need to be behind in order to qualify to work with CRN, but there are other definable reasons why we would not qualify someone to work with us or even recommend settlement as a viable option.

I would encourage you to set up a time for a consultation with myself or another specialist so that we can get into all of the particulars. We will then be able to make more specific suggestions.

You can call 800-939-8357 and select ext. 3 to schedule a consultation, or reach me direct at 208-265-8884, or email info@consumerrecoverynetwork.com with your number and I will call you personally.

Best,

Michael Bovee

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