Companies Using Discount Gas Cards To Save Money On Gas

I am about 10,000 in debt divided among four cards. The highest is 4000, the second is 2500 with 2000 on each of the other two. It started because I got a DUI and having to pay a lawyer, fees, insurance, etc. ... and basically come to a point that was just beyond unmanageable. There are many factors that entered into most if not the creation of debt, does not allow me to pay it back because I had to pay for other things too. I totally learned my lesson and do not drink and drive in all circumstances and in fact have affected others, not only because of the danger and legal issues involved but also because of the mayhem that has financial created for me. With my current finances and other revenue (gas bill, gas for car, rent, cell phone, and Food), I could barely make the minimum payment on all my cards (and sometimes I can not not even do) let alone even think about chipping away at the actual balance. My DUI was two and a half years and when everything is settled with that, I do not see myself being debt free him forever.

The highest card (with 4000) is the one who came into question I could not cope with interest, plus tax limit, sometimes late fees and it snowballed to the point where I owe them miles just to keep up. I do not have the money. I spoke to a very nice lady today and she gave me all my options and one of them was for the resolution 800. At first I did not think I heard right because it makes no sense why the credit card company will not accept such a gross reduction in the actual balance just to close it. But she said many times, companies just want to collect something, but it would certainly be reported to the credit agency, not as a default, but an agreement that was not what which has been previously contacted. However, I can not help wanting to take, even if it was hurting my score, because right now I do not need credit, and even though I know I will need to the future, this debt is ruined my life right now. I can not save anything, I want to stress about it all the time and I prefer the money I used more than one purpose of paying simple interest rate and late fees. I think if I had to pay the account, (oh, again, I would settle accounts in second place for 2500 because the two are connected, and apparently you can not do one without the other) the remaining 4.000 on both cards with better interest rates, I can pay them off, be free of debt and start saving my money and submitting it to better use, such as investment or account Savings (ps the two credit cards that I want to address are actually associated with the bank that I have my control and savings with them), so I feel I can rebuild my relationship with them while keeping the money bank and perhaps after a year or two, reapproaching to open another credit card after they see my good streak and responsible. I'm 26 and I have been haunted by this debt for two years. It was a bit unable to do what I want to do and sucked out too much time and energy to me. Even though I know it's wrong to hurt sometimes, your credit and peace of mind and the idea of a clean slate to start over and prove that you seem invaluable because honestly, if I had die tomorrow, would it have mattered if I was in debt (no I'm not married and any children) and honestly, which is eight in the Grand scheme of things? Or rather, what is having bad credit for a couple of years from $ finally feel like what I do is proactive in respect of my life, not reactive, such as having payable, end of meeting in a balance that I do not see myself on something else? I'm confused.