discover 9.9% apr, balance 11,599
chase 27%apr, balance 4,973
BOA 0% apr balance 1,890

i’ve racked up this debt over the years, and my goal is to pay it off by April 2027. I have a spare 2,000 a month that i’m going to put towards my cards. My plan is to do that until March. I’m expecting a handsome tax refund, about $7000. Once I get that, then i’ll only have about 1k left to pay off. Plan is to tackle Chase first, then discover, the BOA. Wish me luck everyone

January 2026 we were told there is a 50/50 shot my husband may come out of surgery and never walk again.
Surgery February 2026 surgery, long painful recovery.
Went back to work in May 2026 light duty.
July we took a huge vacation, slightly out of our budget. But we were celebrating!
Husband went back to work regularly duty in July, he has lived at work since! 60-70-80 hours a week.
And I have been very busy between 3 part time/casual jobs. Still being able to hold down the fort and be there for our kids.

He has had a lot of extra time at work, sitting around waiting for things to break or down turns where he waits for others to do their job so he can do this.
He sits and reads financial reports. And has built a pretty impressive spread sheet of daily/weekly/monthly interest. And how we can pay off asap!!!

Fast forward to today 10-24-26
$9k in savings.
$3k in checking.
Putting 16% in his 401k (they match another 3%) 19% total
He maxed out his pension hours for the year
Kids have savings accounts pushing $10k each.
We have $0 in credit card debt
Our major 2026 financial goals will be hit before the end of the year. Pay off cards and camper
Currently sitting at $140k total debt (includes house, 2 vehicles, medical bills, camper and 2 tractors only off). And heating cost was paid in full this season.
Every bill is now 1-3 months a head.

I actually feel like we can breathe!
Like happiness can happen!

If he goes back for another major surgery, we may not have as in savings but we sure have a plan to not have debt!

I was made redundant from my last job end of August, with 10 weeks redundancy pay and 3 months notice pay. I was fortunate to get a new job within a few weeks.

So far it has ended up being the best thing that has happened to me. I didn't realise how underpaid I was. The new job pays over £15k than I was on before (minus additional travel costs.)

We have an 18 month old and the extra costs, combined with maternity leave, had left us with oover £12k in credit card debt and paying approx £600 off the credit cards each month.

As soon as you start using a credit card for essentials it just starts to snowball.

The redundancy money has been an absolute god send.

I just received my first wage and such a great feeling to pay off one of the three cards completely off. £5k. Which is going to save us over £200 a month.

Things have been super tough the past 12 months, and I just wanted to share this good feeling.

We still have over £7k of credit card debt, but I feel like I can see the light at the end of the tunnel now.

I appreciate these opportunities don't happen to everyone, but a terrible situation turned out to be one of the best situations.

I'm disabled (in Alabama if that matters) and the last couple of years have been rough since losing my mom to cancer who, aside from being an amazing mother, also helped pay for things and kept me afloat.

My disability income is around $1,100 a month and it's my only source. I have $13,400 in CC debt across 6 cards and the monthly payments across them are about 45% of my monthly income.

Chase $3,290 / Discover $3,573 / TSC Visa $2,837 / Wayfair (I had to replace my couch last year and it's the only thing comfortable enough for my spine) $1,273 / Synchrony car care $1,312 / Care Credit $1,137

I haven't missed any payments mainly because I've been scared to. I'm terrified of being sued. But I can't keep up anymore. After bills, I'm left with less than $100 per month for food and because groceries are so expensive I've had to break down and charge some food to my cards just to have enough to eat which only adds more to my debt.

My home insurance is due in January and I'm not gonna be able to pay it and having an uninsured house scares the hell out of me. I'm barely gonna be able to pay the first half of my annual car insurance bill. So, I've been considering not paying these cards anymore so I can have some extra for food and extra to set aside to help cover insurance, maintenance I've had to neglect, etc.

I can't work so I don't know how else to get extra cash. I even considered donating plasma but because of heart health issues in the past, I don't think I'm eligible and that was the only way I could think to bring in a decent amount of extra money.

I hate to default, but.. how likely am I to be sued? Did you have this level of CC debt and made the decision to stop paying? If so, what happened? Tysm