DALLAS — Joni Kattau of North Richland Hills was so overwhelmed by credit card debt that she considered simply not paying it.
“I called one of my credit card companies, and I was like, ‘what if I just stop paying?’” Kattau said.
That’s not the road she went down, but the frustration she felt at that point is something a lot of people can likely understand.
She describes the situation as a “hamster wheel of debt.”
“I’m paying everything, I’m making to pay my credit card bills, and the principal’s not going down because my interest rates are so high,” she said.
Kattau estimates, at the peak of her debt, she was about $55,000 behind. She owed money for car payments, tax debts and other areas — but she said the…