I have a debt of $15,000, and have been asked to fill out an application with debts vs. income. Another company declined me for a similar debt when I told them I made less than my total monthly expenses because I was unemployed, saying I couldn't afford a payment program (although I have been paying the credit card on time every month). I don't want to be declined again, and want to reapply to the first company based on income from a new job I just got. I also do not want to work with a debt settlement company.
