Leslie

Uh, so we have two credit cards through the bank and then we have, um, six other credit cards that had gone into collections. And we were working with them to pay those ones off the ones through the bank. We cut up the cards. when we found you guys and stopped using them, but they still have a balance and we're current on it. It just still has the balance.

Uh, so we have two credit cards through the bank and then we have, um, six other credit cards that had gone into collections. And we were working with them to pay those ones off the ones through the bank. We cut up the cards. when we found you guys and stopped using them, but they still have a balance and we're current on it. It just still has the balance.

So it's $17,000 for one with the bank, another $4,400 with another one from the bank. And then with the ones that had gone to collections that we were working with them on, that total is about, about 19,000 total. And they're saying that we have to include,

So it's $17,000 for one with the bank, another $4,400 with another one from the bank. And then with the ones that had gone to collections that we were working with them on, that total is about, about 19,000 total. And they're saying that we have to include,

So it's $17,000 for one with the bank, another $4,400 with another one from the bank. And then with the ones that had gone to collections that we were working with them on, that total is about, about 19,000 total. And they're saying that we have to include,

The two through the bank and two of the ones that had already gone through the beginning legal proceedings of the other credit cards, which one was $7,000 and another one was $2,400. And they want to include all of that onto the HELOC.

The two through the bank and two of the ones that had already gone through the beginning legal proceedings of the other credit cards, which one was $7,000 and another one was $2,400. And they want to include all of that onto the HELOC.

The two through the bank and two of the ones that had already gone through the beginning legal proceedings of the other credit cards, which one was $7,000 and another one was $2,400. And they want to include all of that onto the HELOC.

Right.

Right.

Right.

Yeah, so that was my question. I guess I didn't lead with that. I was wondering, so they're saying this is our only option, and this is the trap we fall into every time. I understand it was us that got us into this situation, but as soon as we did that, COVID hit like a year and a half later. And then I had a company reach out to us and tell us it was a debt relief company.

Yeah, so that was my question. I guess I didn't lead with that. I was wondering, so they're saying this is our only option, and this is the trap we fall into every time. I understand it was us that got us into this situation, but as soon as we did that, COVID hit like a year and a half later. And then I had a company reach out to us and tell us it was a debt relief company.

Yeah, so that was my question. I guess I didn't lead with that. I was wondering, so they're saying this is our only option, and this is the trap we fall into every time. I understand it was us that got us into this situation, but as soon as we did that, COVID hit like a year and a half later. And then I had a company reach out to us and tell us it was a debt relief company.

And they said to, yeah, I fell for that. They said to not only... Stop making payments.

And they said to, yeah, I fell for that. They said to not only... Stop making payments.

And they said to, yeah, I fell for that. They said to not only... Stop making payments.

And beyond that, they said to, because they would just take care of everything and the payments would just kind of go away. They would be able to settle it all to max out the cards because the more debt that we had, the more they would be able to work with them, the more likely they would be able to get rid of it.

And beyond that, they said to, because they would just take care of everything and the payments would just kind of go away. They would be able to settle it all to max out the cards because the more debt that we had, the more they would be able to work with them, the more likely they would be able to get rid of it.

And beyond that, they said to, because they would just take care of everything and the payments would just kind of go away. They would be able to settle it all to max out the cards because the more debt that we had, the more they would be able to work with them, the more likely they would be able to get rid of it.