Credit card debt consolidation companies, Anyone know of a good one?
I have become over whelmed with my credit card debt and I am getting those phone calls because I am missing payments and such. Anyway I am looking for a credit card debt consolidation company that doesn't screw people over, anyone know of any from experience or just know a good one?- Most of these places are scams. Call you credit card companies and tell them that you are in danger of bankruptcy and you would like to work out an alternate payment plan. The regular customer service people usually can not do this, ask for loss prevention. They will probably freeze your account so that you can not use it anymore and then set up a payment plan. They want to avoid you being pushed into bankruptcy because then they lose their money
- I would not go to one of those specialized companies. Go to your trusted bank or a credit union in your area and apply for a debt consolidation loan. This is a loan that typically has a lower interest rate than the individual cards you carry, making this single loan a better trade than having multiple revolving accounts i. e. credit cards. You get the loan and use it to pay off your cards, then you make just that one payment back to the bank. A regular old bank can do this and is likely more safe than some fly - by - night credit card consolidation company that you have never heard of. First try your own bank or some other local ones. Also try your local credit unions, as they sometimes offer lower loan rates and have higher approval rates. Go to bankrate.com to view loan rates in your area
- Be careful. You are better doing this yourself. First get a book called credit repair for dummies from your bookstore. If not, call your local consumer credit councelling service something like that. Look it up in your phone book, not the internet. I have heard nightmares about debt consolidation companies. Do your google research before considering these. Some are pure scams. /
- Try personal - financial - help. solutionsarticles.com they are not that bad 7% for me and definitely quick. The Idea is to find a loan at less interests than you pay now, and fixed interests. Credit cards can have high interests so it should not be difficult to beat them, depending on your credit score. Whoever you go with, you should always check if they belong to the American Bankers ociation at buyersguide. aba.com or at least the bbb.org the above people do
- when you go to these scammy companies you end up losing even more, reason is because whatever the consolidated you will have to claim on your taxes, so say you owed $30, 000, Company consolidated it to $5000, your going to have to claim that 25, 000 when you do your taxes. Its like you made $25, 000 that year, Be Weary Weary Careful
- self help may B best
- 123debtsolutions are a good firm, I know 1 or 2 people that are happy with their services. Any they are reasonable, i. e. will not try to squeeze you Free debt info debt - help - debt. blogspot.com /
Knowledge Base
Trying to get help with debt by a debt consolidation loan but I can't get approved?
trying to get help with debt by a debt consolidation loan but i can not approved. i am behind on payments so i just keep sliding deeper into debt with late fees and i am trying to pay it but can not get the help i need. help!. if you (credit debt consolidation)
What is the min. amount credit card debt you must have to do debt consolidation and is this a good idea?
i wanted to do credit card debt consolidation but i am skeptical if this is a good idea with the economy. i am very far behind on my credit card bills and the only reason i can not afford them now is because the min payment has gone through the (business debt consolidation)
How can I pay off my bad credit without a debt consolidation service?
all of my credit debt sums up to $5, 600. the largest one in this group is about $1, 600. what's the best way to go about paying this off. i tried a personal loan and could not get one because of my bad credit history. check this site for (debt consolidation loan)
Knowledge Base: Debt Consolidation
Give the benefits of debt consolidation loan?
i am planning for a debt consolidation loan. i want to know the benefits of the debt consolidation loan. google: debt consolidation complaints, scam, rip - off. please do this for me - do your research. there is nothing these companies can do for you that you can not do (debt consolidation loan)
Does getting a debt consolidation loan help my chances?
my fiance and i are trying to buy a house. but no where will give us a loan because he has such horrible credit. will getting a debt consolidation loan help his credit enough to be able to get a home loan? also the things that are bad on his (business debt consolidation)
Which is secured debt consolidation loan?
i am planning to take debt consolidation loan but want to know some information. how can i find the secured debt consolidation loan?. practically any type of loan can be wrapped into the debt consolidation process. common types include finance charges, late fees and overdraft charges, credit cards, personal loans, (debt consolidation loan)
Where do I look to find a debt consolidation loan?
where do i look on the internet to find the best debt consolidation loans? what are the best sites to look?. the fact that your question attracted not one, but four, spammers should give you a hint. asking for a debt consolidation loan is like dangling your arm into shark (debt consolidation)
Is there any really "FREE" help services for debt consolidation? I need help but short on cash!?
i am afraid most of the ads i have seen charge a big fee for these services. has anyone tried any that were free and if so please give me website or names. consumer credit counseling charges a nominal fee if you can afford it. they are run by the (bad credit debt consolidation)
Knowledge Base: Credit Debt Consolidation
what is the best company to use for credit / debt consolidation?
i need to build credit and elimidate debt. there are many companies that provide the various services of debt consolidation. but what types of debt consolidation you are looking for? as the companies provide many services starting from credit card debt consolidation, student loan consolidation, military debt consolidation and many (credit debt consolidation)
Credit card debt consolidation companies, Anyone know of a good one?
i have become over whelmed with my credit card debt and i am getting those phone calls because i am missing payments and such. anyway i am looking for a credit card debt consolidation company that doesn't screw people over, anyone know of any from experience or just know a (credit debt consolidation)
how good does my credit have to be to get credit card debt consolidation?
if i let my cards slip for a while i do not know how much they have hurt my credit. i need credit card debt consolidation, will they accept me if my credit cards have been beating up my credit a little in the last month or 2?. debt consolidation (credit debt consolidation)
What is the min. amount credit card debt you must have to do debt consolidation and is this a good idea?
i wanted to do credit card debt consolidation but i am skeptical if this is a good idea with the economy. i am very far behind on my credit card bills and the only reason i can not afford them now is because the min payment has gone through the (credit debt consolidation)
What is the benefit of using debt consolidation for credit card debt? ?
what is the benefit of using debt consolidation for credit card debt? i am trying to decide to either call the credit card companies myself and negotiate for a lower payoff / settlement amount, or to use a debt consolidation company? if i negotiate with the credit cards directly, will (credit debt consolidation)
