debt consolidation
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Debt Mediation
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 ...
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...
Paying off Debt
If you are a member of a credit union they may have resources for debt consolidation too. You might be able to get a loan through your bank or credit union ...
Answers
- Hi J., I would imagine you are overwelmed with the responses to your inquiry. I too am a financial coach and would recommend any sort of program without using any co...
- If you had any questions about credit repair, I would recommend my in-laws in Georgia. They work with people from all over the country, so it doesn't matter if you ar...
- J. I am a financial consultant. Be careful with some of these companies. Most of them have hidden fees. Sometimes you will be paying more than you already are. Also if...
Financial Advice
I have received quite a bit of information on debt consolidation. Will this make our credit worse? We have about $10000 in debt. I want to do the right ...
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...
Major Debt Considering Bankruptcy or Foreclosure
Read all 7 responses: "When I married my husband he had a TON of debt. My mother and I (best friends) ... Debt Consolidation Is It Worth It/does It Work? ...
Answers
- Hi. I am an attorney and let me start offf by saying that what I am about to say does not mean that I am your attorney. Sorry, but had a "friend" burn me when I didn...
- Please let me know what you find out. I have been considering bankruptcy for a number of years. Although, I don’t have credit card debt, I have many other negative m...
- My aunt and uncle just went thru bankrupcy, As far as I know it was not too hard. It does cost like 800-900 to get the ball rolling. They were able to keep their hou...
Widow Mom
The problem with consolidation is you are still having to pay your debts back and from what you said, it sounds like you cannot. I say, get debt free! ...
Answers
- I am deeply sorry for your loss. I have horrible credit and now getting it back on track. You do not need to pay anyone to fix it for you. I just found out myself. You...
- You could check out the Dave Ramsey Financial Peace Program. Good luck.
- Dear C., I am so sorry for your loss and I know your needs will be met. You have some good suggestions from the other moms. My suggestion is to find an attorney who ...
Has Anyone Used FreedomDebt.com?
It is not debt consolidation or any scam like that. They have this techinque on managing your money and how to pay your bills that is really different. ...
Answers
- The ONLY place you should work with is Consumer Credit Counseling. But even they can have issues. We dealt w/one years ago, and the person suggested we file bankrupt...
- I wonder if it is similar to nodebtandfree.com We used them to help us out and they are amazing. They advertised on 960AM. It is not debt consolidation or any sca...
- T., there are so few of these programs that are useful and legitimate. There's a reason they're called "CONsolidations". I'd do a whole lot of research before signin...
I"m DEBT Free..Not! I Need Your Advice Again!
I don't know anything about Dave Ramsey but debt is pretty cut and dry to me - your output is more than your .... free credit report · debt consolidation ...
Answers
- I have actually NEVER heard of the person before. I make decent money, and although I'm not completely debt free, at this time I only owe about $20,000. $10,000 of tha...
- Hi A., It took my husband and I exactly 22 months to get out of debt completely. We were at $27,000 in debt with credit cards, loans, and a remaining car note balanc...
- Nothing personal against Dave Ramsey...but am I the only one that see's that HE is the one rakin' in the cash? Books, talkshows, seminars....hhmm? Its this simple, l...
How to Consolidate
Oct 5, 2009 ... Next question Debt Consolidation ... HELP We Are in Debt up to Our Eyeballs ... Debt Consolidation Anyone Done This Before ...
Answers
- 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 ...
Unemployed Spouse
If you ahve considerable debt, a financial advisor that deals in debt consolidation may help. Good luck. Helpful? Yes | No Save This Remove This Report This ...
Answers
- My husband got fired a few months ago. I already worked ft so was hoping to get some help around the house. Yeah right! He stays up late and gets up late and does noth...
- yes, we should talk! I am trying to be sensitive to my hubby's depression and his anger and helplessness over all of this, but that means i have to stuff down my ow...
- Hi K., In today's world, the best thing for your husband would be to start his own business. There are many businesses out on the internet but you want to be caref...
I Need HELP Please
If you are dealing with credit card debt, I would cut up cards now... and try working with them to ..... Need a Reputable Debt Consolidation Service/company ...
Answers
- Hi V., I am not sure I am clear on what you are having problems with, is it that you can’t get out of debt or that you can’t balance the check book. Not sure w...
- I am a Financial Analyst so of course I am in charge of all the bills too so I understand how you feel. Do not be ashamed to go to your husband's mother for assistance...
- Years ago, we used Consumer Credit Counseling Service of Cincinnati and they are a non-profit organization that helped us get back on track and it was free then, but t...
