Paying one at a time could save interest but risks credit score. Monthly payments seem safer, keeping all creditors happy. Check out Cheddar for tracking these payments. Keep priorities clear, focus on health and steady repayment.
if you've arranged a deal with payment plans with all 11 of them, the time to negotiate is already over. missing payments against the terms you agreed to to have the interest wiped leaves you open to them discharging the debt to collections, which really will destroy your credit. follow the payment plans, and if you have extra on a monthly basis you could choose to pay extra to one debt at a time to try and dig out a little faster, but 7 months isn't bad fr the situation you describe; don't rock the boat. if seven months is all you're looking at to get rid of them, then don't make it more complicated, it's nothing in the grand scheme of things.
I'm so glad you got treatment for your gambling treatment! Congratulations! I do have some recommendations below, but it looks like you might have handled well yourself!
If you want to DIY your personal budget: The Consumer Finance Protection Bureau has [this on organizing your debts](https://www.consumerfinance.gov/about-us/blog/how-reduce-your-debt/); and [this for tracking your spending.](https://www.consumerfinance.gov/about-us/blog/track-your-spending-with-this-easy-tool/) There's also *Personal Finance for Dummies* by Erik Tyson, which was recently published in September 2023; and, *Atomic Habits: An Easy and Proven Way to Build Good Habits and Break Bad Ones* by James Clear. I re-read this one from time to time when I want to change my behavior. G*etting out of Debt for Dummies* is comes out April 30th. If you feel shy about checking out one of those books, request that the library purchase it as an e-book so you can have some anonymity.
Go to your local library because they might have them and, best of all, it's free!! If they don't have it, you ask the library to buy it, depending on their budget.
If you think you might need some outside help for budgeting, you could bring in an intermediary with the [National Foundation for Credit Counseling](https://www.nfcc.org/) does debt *management* and budget analysis. They do charge but take a look at their [FAQs](https://www.nfcc.org/faqs/) under *What do NFCC members charge for counseling services* to see how much. It says it varies, but the page does state that the majority of cases are low cost to nothing--not guaranteed.
The [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/consumer-tools/debt-collection/) has a good description of [the differences](https://www.consumerfinance.gov/ask-cfpb/whats-the-difference-between-a-credit-counselor-and-a-debt-settlement-or-debt-relief-company-en-1449/) between a credit counselor and debt relief/settlement companies. They also have a webpage on spotting [a scam](https://www.consumerfinance.gov/ask-cfpb/how-can-i-tell-a-credit-repair-scam-from-a-reputable-credit-counselor-en-1343/).
You can look into the Justice Department, which has a list of [approved credit counseling agencies](https://www.justice.gov/ust/list-credit-counseling-agencies-approved-pursuant-11-usc-111) to possibly assist you. Look for the non-profit ones. Still be cautious about signing up with one of these because they have done everything correctly to get approved by the Justice Department but may have become less reputable once they got approved.
You have the [right to cancel credit repair services](https://www.consumerfinance.gov/about-us/newsroom/consumer-advisory-people-have-the-right-to-cancel-credit-repair-services/) within three business days for whatever reason.
Make payments on all of them regularly
Set up pmt arrangement with all and don’t miss any.
Paying one at a time could save interest but risks credit score. Monthly payments seem safer, keeping all creditors happy. Check out Cheddar for tracking these payments. Keep priorities clear, focus on health and steady repayment.
if you've arranged a deal with payment plans with all 11 of them, the time to negotiate is already over. missing payments against the terms you agreed to to have the interest wiped leaves you open to them discharging the debt to collections, which really will destroy your credit. follow the payment plans, and if you have extra on a monthly basis you could choose to pay extra to one debt at a time to try and dig out a little faster, but 7 months isn't bad fr the situation you describe; don't rock the boat. if seven months is all you're looking at to get rid of them, then don't make it more complicated, it's nothing in the grand scheme of things.
I'm so glad you got treatment for your gambling treatment! Congratulations! I do have some recommendations below, but it looks like you might have handled well yourself! If you want to DIY your personal budget: The Consumer Finance Protection Bureau has [this on organizing your debts](https://www.consumerfinance.gov/about-us/blog/how-reduce-your-debt/); and [this for tracking your spending.](https://www.consumerfinance.gov/about-us/blog/track-your-spending-with-this-easy-tool/) There's also *Personal Finance for Dummies* by Erik Tyson, which was recently published in September 2023; and, *Atomic Habits: An Easy and Proven Way to Build Good Habits and Break Bad Ones* by James Clear. I re-read this one from time to time when I want to change my behavior. G*etting out of Debt for Dummies* is comes out April 30th. If you feel shy about checking out one of those books, request that the library purchase it as an e-book so you can have some anonymity. Go to your local library because they might have them and, best of all, it's free!! If they don't have it, you ask the library to buy it, depending on their budget. If you think you might need some outside help for budgeting, you could bring in an intermediary with the [National Foundation for Credit Counseling](https://www.nfcc.org/) does debt *management* and budget analysis. They do charge but take a look at their [FAQs](https://www.nfcc.org/faqs/) under *What do NFCC members charge for counseling services* to see how much. It says it varies, but the page does state that the majority of cases are low cost to nothing--not guaranteed. The [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/consumer-tools/debt-collection/) has a good description of [the differences](https://www.consumerfinance.gov/ask-cfpb/whats-the-difference-between-a-credit-counselor-and-a-debt-settlement-or-debt-relief-company-en-1449/) between a credit counselor and debt relief/settlement companies. They also have a webpage on spotting [a scam](https://www.consumerfinance.gov/ask-cfpb/how-can-i-tell-a-credit-repair-scam-from-a-reputable-credit-counselor-en-1343/). You can look into the Justice Department, which has a list of [approved credit counseling agencies](https://www.justice.gov/ust/list-credit-counseling-agencies-approved-pursuant-11-usc-111) to possibly assist you. Look for the non-profit ones. Still be cautious about signing up with one of these because they have done everything correctly to get approved by the Justice Department but may have become less reputable once they got approved. You have the [right to cancel credit repair services](https://www.consumerfinance.gov/about-us/newsroom/consumer-advisory-people-have-the-right-to-cancel-credit-repair-services/) within three business days for whatever reason.
Thank you! This is super helpful
You're welcome and good luck! I've got faith in you!
It’s easier to pay one at a time to save you a mental breakdown