bill consolidation
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Bill Consolidation
Asked by K.G. from Fort Wayne
on December 1, 2011
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Have any of you wonderful mamas done a bill consolidation loan? We are currently paying $250 at about 24% a month just in the minimum owed, we do pay more on the cards...
Answers
- Only do a debt consolidation loan when you agree to cut up and close all credit cards. it's a vicious cycle. credit cards can be like a drug and addictive.... Use t...
- We did Care One debt relief - and while it may not work for everyone, our credit scores are higher than when we started, and in less than three years they are almost p...
- I've taken out a home equity loan and a personal loan that I have used to pay off other debt. Based on your post, it sounds like there is no reason why you shouldn't ...
Bill Consolidation
Asked by C.G. from Dallas
on April 20, 2011
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Has anyone consolidated their bills, and if so what steps should I take and who should I contact that's a legitimate company
Answers
- The truth about debt consolidation http://www.daveramsey.com/article/the-truth-about-debt-consolidation/
- There are almost no legitimate companies that do this; and even if you do consolidate your debt, it usually ends bad. Here's why: if you have too much debt, it may fee...
- Dave Ramsey. Do not consolidate. Just speak to each creditor and ask them to help you. LBC
Debt Consolidation
Asked by T.F. from St. Louis
on May 5, 2009
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Just wondering if anyone has had good luck with a Consumer credit consolidation. I am thinking about consolidating my credit cards to try to reduce our debt.I am not s...
Answers
- Two words for you. Dave Ramsey. I know he was already mentioned but if you can get anywhere to see him in video or get his books it really does work. Please try hi...
- My sister and I (she suggested this Service to me, too) used Consumer Credit Counseling Service (CCCS) Agency: http://www.cccsstl.org/ I used the Service late 90s/earl...
- If your credit is already messed up and you are committed to never getting into debt again, it might not be too bad. I have done extensive research. Your credit will...
Debt Consolidation
Asked by T.R. from Detroit
on February 22, 2010
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Has anyone used a debt consolidation company before? We've been having a difficult time keeping up with our bills since I lost my job last fall. I have still not bee...
Answers
- My husband and I just completed the Dave Ramsey "Financial peace University" course. DON"T DO THE DEBT COMPANY!!! Honestly, I would encourage you to sit down with y...
- I know someone who is using one, basically hers works by making one large payment to the debt company instead of several to different companies. It's working for her,...
- All I know is we were advised NOT to use any of those companies. We went through the Dave Ramsey seminar and learned how to live debt FREE! We have one credit card a...
Credit Card Debt Consolidation
Asked by J.K. from Sacramento
on October 17, 2012
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I wondering if anyone knows anything about credit card debt consolidation. Have any of you used a company that you'd recommend? I checked into one online and it seemed...
Answers
- You can contact your local credit bureau and ask them about debt classes. They often have someone on staff to do credit counseling and help someone to do this through ...
- Unfortunately debt consolidation is the worst thing you can do for your credit. They make it sound "all that", but it isn't. I did it for two years and barely got anyw...
- I always thought these were a scam (and I think some are, so be careful) until we were sort of forced into a situation to use one, and they were AWESOME! So nice and ...
Need a Reputable Debt Consolidation Service/company
Asked by M. from Cleveland
on February 2, 2008
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Hello Moms!
I was wondering if anyone has ever used a debt consolidation service/company. I recently split from my boyfriend of 5.5 years. We have a 3 yr old son ...
Answers
- what getting a debt consolidation loan? pay all the cards off and then jsut have 1 payment...hopefully witha decent interest rate. i tried one of those credit couns...
- I work for a bankruptcy attorney, and have seen this over and over again. I want to urge you to use Azalia's advice below, because what happens with most debt reducti...
- You should read "Total Money Makeover" by Dave Ramsey!!! I couldn't put it down amd he is awesome when it comes to helping people get out of debt in ways that truly w...
Need Insight Regarding Medical Bill...
Asked by L.T. from Portland
on April 5, 2009
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I am asking for some advice regarding a medical bill that has been looming over our heads for a while. It isn't HUGE in comparison to some we have dealt with in the pa...
Answers
- L.-I suggest contacting the finance dept.,tell them like it is and ask if it can be written off as a charity case. Also have you checked to see if you can qualify for ...
- L., I don't know where your bill is from, but consider seeing if the hospital, or wherever the bill is, has a financial assistance department. I know Stevens Hospi...
- Figure out how much you can pay every month, then call the accounting department (the number should be on the bill), tell them your situation, and work it out with the...
Need Information on Debt Consolidation
Asked by K.K. from Grand Rapids
on January 26, 2007
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I WOULD LIKE TO KNOW THE BEST COMPANY TO GO TO TO HELP ME GET MY CREDIT STRIAGHT ANY INFO WOULD HELP THANKS K.
Answers
- I would call around, or ask your bank or credit Union. Just becarful. Alot of places will offer you more money than you need, and that only gets you father into debt. ...
- Hi K., I don't have any advice for you but I feel your pain. My husband and I are struggling to make out bills. Good luck. Chris
- I used a debt consolidation company called Consumer Credit Counseling and paid off all my debt within 2 years, they were awesome and the fact that I used them did NOT ...
Need Advice on Those Debt Consolidation Organizations Out There!
Asked by C.W. from Philadelphia
on June 16, 2009
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It has come to my attention that I need to contact one of these groups/organizations to help us with our accumalated debt to help stabalize us financially. I have reci...
Answers
- C., Having gone through this myself, I can say that when the right company is chosen, it can work wonders for your self esteem and for your debt. At the time I was...
- all I've ever heard is that those aren't good! I believe you can call the companies yourself and negotiate something. Good luck!
- Hi C., Check with your local Better Business Bureau. They have credit counseling. They may be able to refer you to a reputable organization. Good luck. D.
Debt Mediation
Asked by C.A. from Dallas
on August 1, 2008
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Just wondering if anyone has tried debt mediation or credit counseling and what your results were. I tried to get a loan from the debt consolidation loan from the bank...
Answers
- I used a counseling service several years ago when my credit card debt reached $20K. I think I had about 8 credit cards then. They made it easy, I just sent them one p...
- I agree with most of the responders: Don't go to a for-profit credit counseling business. If you decide to go with a credit counseling service, go with a non-profit ...
- Hi C.! Please check out DaveRamsey.com before you do anything drastic!!! He is my Hero! I am strongly against consolidating debts, because the interest you pay for eac...
