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This is from my co-worker from 2 posts ago. (I am pushing hard to get her to join the fool!)

This is Lisa's co-worker. I really appreciate all of your comments and suggestions, and thought I'd respond with what I've done so far to help out my debt situation so that you may be able to get a better idea of what I might be able to do from here.

When I received this month's statement, and realized that the minimum payment had grown to an astounding amount, even though I have paid on-time, and as much as I could the past few months, I panicked. First USA the past couple months called me because the payments I sent in did not reach their required amount, so the CSR helped me schedule 2 payments to reach the amount they wanted, and so I wouldn't be completely strapped. They said that it would keep my account in good standing and keep me from getting late fees. I have paid what I can on time every month for at least the past 5.

I called First USA 2 days ago, to see if they could lower my APR below the current 23%. I explained that I have been paying as much as I can, on-time, but that the Finance Charges (near $100 last month) were really killing me, and keeping me from being able to get caught up. This CSR stated “We have no lower rate available at this time. . .would you like me to close your account?” without skipping a beat. I hesitated, asked if it would keep my account from occurring additional fees (“No, m'am”). Said that I would not like to close the account (figuring that there may be other options open, I just didn't know what they were at that time) and hung up. Which brings us to today.

I have picked up a 2nd job to help bring more income in to throw at my debt, which is helping (I have been able to get 1 of my 3 cards below the limit), but I am limited as to the schedule I can work.

HELP! I am getting really desperate. Just when I feel like I'm getting caught up, something like this happens and I feel like I'm taking 2 steps back. Any additional suggestions you have to offer would be tremendously appreciated!

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