Snowball method
I have 6 charge off accounts. 4 of them are now under debt collectors. The others are with the original company. I am paying minimal on 4 highest balances and would like to stop 3 payments and put it all on the lowest account because it would be $250 for two months and my lowest would be paid. The balances of the ones I’d cancel are $2800 capital one and $2700 for Citi(midland credit) and $1100 for care credit(portfolio recovery). If I stop these payments for a couple months I’m worried they will sue even if it’s a low amount.
Posted Feb 11, 2026, 10:26 PM UTC
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