Only you know where your debt is from no one can tell you.  You made the debt who did you buy from or charge from who did you make bills with that's where your debt came from who do you owe money to???  You can only answer that not people reading your post. Who ever is billing you you need to work with and if you can not pay for it do not buy it or do not do whatever it is you are going to use credit to do unless it is an extreme  emergency. ... View more

I own my home and car I only have a small percent in cr. Card and on one no interest for the next 16 months or more.  I have a few ira accounts with easy access one account is 3 miles from my home all I need to do is sign my name and walout the door. Also several thousand in a checking with interest checking   I feel I am fairly well set  ... View more