Oh, no doubt you are right, @TL. And of course the creditors are all very nervous right now and likely to pounce on anybody who looks like a bad risk. Your advice is very sound.
I am just thinking that a person really could find himself looking at a minimum payment on one card that’s more than he can afford to spread across all his bills. When I was there (thank goodness it’s been a long time) I tried making the minimum on card A this month, B the next, and so on, figuring they’d all be satisfied in their turn. Bad idea. All the wolves came calling at once. It would have been much better to send each one $20 every month than to skip a month with anybody
In time we paid everything off in full, and now we stay current and never let ourselves get behind. My stomach doesn’t gnaw every day and night as it used to. But man, I haven’t forgotten.