Here's the problem:
Originally, it was estimated I would pay about $7,200 total to settle all 3 CC's. Well, according to my payment log, I have a remaining balance to pay of $2,089.02 But I still have about $3,666.04 in prescheduled payments, plus one CC that hasn't settled yet that is about $3,000.
This would put my remaining CC debt at $6,666.04 (ooooh, all the 6s...creepy!).
I've already paid about $4,412.00 since August on them. So this together would put my original total CC debt at about $10,000.
I'm so confused.
I think it may be time to break it all down into individual CC's:
CC Debt Tally:
$4,434.06 CC1 (BoA)
$2,817.12 CC2 (WaMu)
$3,000 CC3 (Chase)
$1,987.20 Fee owed to Debt Settlers
---------------
$12,238.38 total CC debt to repay
CC Debt Already Paid:
-$1,478.02 CC1 BoA
-$2,112.24 CC2 WaMu
-$705 fee to Debt Settlers
----------------
$4,295.26 already paid
$7,943.12 remaining CC Debt to Pay
Other Debt Tally:
$9,054.08 to Mom
$1,335.40 LB CC
$588.58 Medical CC
---------------
Total: $10,978.06
+ CC debt: $7,943.12
---------------
TOTAL DEBT: $18,921.18
Now, originally, I had $13,248.36 in CC Debt and $1,348.10 on a LB CC and I originally owed Mums $5,500.00. This all totals $20,096.46 in debt.
Original Debt: $20,096.46
Payments Total: $1,175.28
Savings Debt Settlement: $1,010.12
New Debt Total: $17,911.06
I really think I'm getting screwed here. Ugh, what a headache I have.
OK, here's what I know to be true:
I currently owe Mom $9,054.08
I currently owe LBCC $1,335.40
I currently owe Med CC $588.58
I currently owe CC3 (Chace) $3,000
I currently owe CC2 (WaMu) $704.08
I currently owe CC1 (BoA) $2,956.04
I currently owe Debt Co $1,282.20
---------------------------------
I currently owe $18,920.38
I am trying to get the fee I owe the Debt Co down, sicne that was estimated on 36 months of service, and I will be using their service for 12 months, max. I will also be making my last payment of $704.08 to CC 2(WaMu) on Nov 30th, as well as prescheduled payments to C1 (BoA) on Nov 30th and December 31st, which will erase the remaining debt on there. Additionally, I have more $ to pay to the LB CC and the Med CC. So, with luck, I am hoping to start 2007 with a total debt of $14,560.26 (Down a total of $4,360.12 in 2 months).
Yikes, now I have a really big headache. *sigh* But at least the numbers are worked out and I know how much debt I truly have. 
CC Debt Confusion
November 8th, 2006 at 09:23 pm
November 8th, 2006 at 09:27 pm 1163021241
November 8th, 2006 at 10:44 pm 1163025853
November 8th, 2006 at 11:27 pm 1163028452
November 9th, 2006 at 02:41 am 1163040098
keep up the good work!
November 9th, 2006 at 02:46 am 1163040414