credit debt
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Debt Mediation
I am getting my credit cards paid off and slowing getting out of debt. ...... I used a counseling service several years ago when my credit card debt reached ...
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- 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...
Has Anyone Used Careone Credit Counseling???
We have had several families become debt free without using credit counseling by going through this class and becoming educated in all areas of their ...
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- Unfortunately, using a credit counseling company is almost as bad as bankruptcy. I have done some research and have found that there is really nothing you can do othe...
- I would like to invite you to Financial Peace University by Dave Ramsey. It is a 13 week course offered through our church, Sun Valley, and it had made a HUGE differe...
- My sister used Debt SHield, which a friend of hers also used. It worked out well, as if creditors started calling, she just called the person at DS & they had it stop....
Help for Debt Problem
In about 2 years we paid off my undergrad and grad school loans, 2 cars, credit card debt, a time share and we just paid cash for our new car. ...
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- My Hubby is a VP and does the debt consolidation and he works for citigroup. If your friend refer my name, the analysis can be done free. And you can decide your ne...
- You have gotten some really great answers here but I wanted to throw out a financial author who I really like that she could use by itself or in conjunction with a deb...
- Hi N., My husband and I had an issue last year as he was laid off and we lived on our credit cards. We used a service called Credit Solutions. We've since paid of...
Financial Advice
Unfortunately, we have racked up quite bit credit card debt just on everyday expenses. Most of the debt has been for gas and groceries. ...
Answers
- L., This economy is tough for everyone. Whatever you do, do not go with a debt consolidation company who promises to save you money and work w/ your credit card c...
- I have not ever been in that situation, but from watching a number of different things on tv, magazines etc. You should definitely look at your debt and lay it out if ...
- Hello, I hear you there. Though I must say, your debt is not bad and very manageable. I would not close out accounts or take out any more loans. If you do get an offer...
What to Do About This Debt
I just need to get it off my chest. We are soooo broke. I am in debt a good 4000 in credit cards and to top it off my check wasn't enough to..."
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- This is tough. One thing is for sure is to cut the cards whether maxed or not, get them out of site. I would avoid transfering balances to 0% cards because then when...
- A lot of us have been there L.. I started out selling things on Ebay. Of course, one has to be careful of the selling fees and make sure you know exact shipping so t...
- Hi my name is N. and I am a Sales Director with Mary Kay. I would love to share with you how you could make some extra money with a Mary Kay business. You can work M...
Debt Help!!
If you carry a credit card debt, look into transferring it to a zero interest for a year type of card. This way your payments are going to the balance and ...
Answers
- It sounds like you are getting a lot of good advice here. One thought that I wanted to add, though, is when it comes to using a credit counselor. It is a great program...
- I suggest the book "Total Money Makeover" by Dave Ramsey. My husband and I are in the same boat as you. We are now about half way through the book and for the first ...
- We are going through an awesome program at our church called Financial Peace University. My parents have already done it and they were able to save $1000 and pay off ...
How to Consolidate
Oct 5, 2009 ... I would like to know if anyone else has tried consolidating or lowering the credit debt w/these agencies that supposedly have gov't support to reduce your ...
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- L. ~ There's a reason they are called CONsolidations. If you're looking for a common sense way to handle overwhelming debt, you won't find better than Dave Ramsey....
- I work in Realestate and run into this alot. Mortgage companies will not help in a modification if you are managing your bills.I suggest that you contact a good lende...
- we used 'take charge america'- a free service for az residence but that was a couple of years ago. they only charged maybe $5 to have it taken out of my account every ...
Tips to Pay of Credit Cards
You can also buy the book "Total Money Makeover" and have what you need to get a great start on reducing your credit debt. I can give you a brief ...
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- I second Total Money Makeover with Dave Ramsey. Get his book and read it cover to cover - you'll be able to read in rather quickly. Also, he's going to be in Dallas ...
- You can use CCS, and they are good. You can negotiate on your own... but beware, this will show up on your credit report!
- Hi B., My husband and I went through Financial Peace University also and it was SO amazing. It actually inspired a passion in my husband to help others. We made som...
Credit Repair
Aug 30, 2009 ... If they can't come up with this information then they have to drop the debt from your credit report. You can even file a dispute with all 3 credit bureaus ...
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- i have worked in credit & collections for 12 yrs. I would be glad to help you clear up your credit report. Its not as hard as you may think. If interested email me:...
- The first thing I would do is to find out what Dave Ramsey says! He is excellent and I wish I started he's program while I was younger. Good luck. A grandma.
- Hi J., I actually had a client two years ago who had terrible credit and could not get approved for a home. She worked with Brad Polin, with Coastal Lending Team, ...
I'm Getting Married to a Man with BAD Credit
If it is credit card debt that is something you two need to discuss, since that bad habit could affect you if he were to use your card or open an account ...
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- Hey C., My advice is to seek legal advice about protecting yourself. I always swore to marry someone who cared about their credit and debt as much as me. I just f...
- The laws have changed a bit, but you might want to consider bankruptcy for him if you're talking lots (over 10k). This worked for us, but we still borrowed some money...
- As long as you apply for future items in your name you should be fine on a credit application. The only problem will be that in that case EVERYTHING will be in your n...
