Digging my way out slowly… any advice at this point?

QuestionsDigging my way out slowly… any advice at this point?
asked 4 years ago

I’ll preface this by saying: Everything was fine until we had a “surprise” baby. We know how it happens, but I was allegedly infertile due to a medical condition. Turns out, biology works!

End of June– I knew I was in trouble. I dug my head out of the sand. I pulled my reports. I looked at them. Approached my father for assistance. He has basically cut me off due to this, but he did help. So… (I apologize for the formatting. This was in a pretty table, but I wasn’t allowed to post it)

 

                CURRENT ACCOUNTS    

                                    Balance            Limit                         Remaining

WF Platinum                $ 2,997.00         $ 3,000.00                $ 3.00      

Target Card                  $ 1,856.00         $ 2,300.00                $ 444.00      

 Indigo Card                 $ 0.00                $ 300.00   (Will close in 1 year. Trying to add positive tradelines)    

Cap One Quiksilver     $ 0.00                $ 300.00            

                                    $ 4,853.00          $ 5,900.00                 $ 1,047.00                                      

 

CLOSED ACCOUNTS     Balance            Settled                    Difference/Write Off                  Payment                    Date Paid           Remaining                

AMEX                              $    3,807.37       $    2,855.52                $ 951.85                                                                   6/28/2017  

Amazon                          $    3,050.61       $    1,545.00              $   1,505.61                                                                 6/28/2017  

Macy’s                          $ 444.00                $ 444.00                                                                                                      6/26/2017  

Capital One                    $ 562.54               $    393.70              $ 168.84                                                                      6/28/2017  

Walmart                        $    2,289.22            $   1,602.45            $   686.77                              $   398.85                      6/28/2017            $ 1,203.60

Belk                              $    2,418.12            $    1,692.68            $   725.44                                $ 398.85                      6/28/2017            $ 1,293.83

JCP                                $ 848.78            $ 636.58               $  212.20                                                                           6/26/2017  

LB                                $  692.84               $  519.63              $   173.21                                                                           6/26/2017  

Sams                          $ 174.08                    $ 130.56             $    43.52                                                                          6/26/2017  

Gap                             $ 394.89                $ 296.17                    $ 98.72                                                                        6/26/2017  

Kohls                       $ 1,238.16                  $ 744.00               $ 494.16                                                                           6/26/2017  

Best Buy                    $ 2,012.02               $ 1,408.00                 $ 604.02                                                                        6/28/2017        

                                  $ 17,932.63                $ 12,268.29             $  5,664.34                      

 

I should be able to pay off most of the WF Platinum and Target cards, as well as the remainder of the Belk and Walmart cards shortly.

I was not aware of the PFD option prior to agreeing to the settlements I negotiated, and 7 of these are with Portfolio, so any help there would be appreciated.

Advice? What should I do from here? We’re going to need to purchase a car soon. How very very screwed am I?

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