how do i negotiate with credit card companies
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Cashing in My 401K to Pay off Credit Cards
2) If by any way you come to some bit of etra money (not by cashing your 401K) you should call the credit card companies to SETTLE your debts. You can do ...
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- Hi J., You should consult an accountant to be sure. But, I believe you pay all your capital gains taxes up front. I'd also consult an accountant about the best way t...
- DON'T DO IT! Dont cash in your future to pay off the past. You'll be creating more problems. Go to Consumer Credit Counseling Services, of New Jersey or whatever s...
- DO NOT DO IT! You will get hit so hard in taxes and penalties that you will have to take a loan just to pay that! My mom closed out hers at a previous job and she had ...
In Debt up to My Ears
Apr 21, 2009 ... What most consumers do not realize is that 1- you can negotiate with your .... You can also try contacting credit card companies yourself-if ...
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- Hello C., My name is B. and I live in Colorado. I also am still paying off some old debt, but I am able to do so with my home business with Arbonne. Are you inter...
- Hi C. -- don't do the loan consolidation thing. I recommend you get books by Dave Ramsey and/or Mary Hunt. Your local library should have them. Read those first -- ...
- Check out Dave Ramsey before you try one of those places. We went to Consumer Credit Counseling at one time, but their fees are high for what they do. Dave Ramsey has ...
Tips to Pay of Credit Cards
You can negotiate on your own... but beware, this will show up on your credit report! Helpful? ... Call your credit card companies and ask for a lower rate. ...
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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...
Bills Crisis and Need Some Input as to Good 2Nd Jobs And/or Cost Cutting Ideas.
If is less, contact your credit card companies and tell them what is ... It is better to do it now then wait like I DID and have the accounts charged off. ...
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- Here's what I would do...give my pets up to a shelter, buy generic food, cut utility bills by being very careful (turn up the thermostat on the air, etc.), don't spend...
- Costco to buy fruit, milk, butter, eggs, basics. Cut out all junkfood & entertainment now. only eat healthy veggies - if its all thats there that is all you will eat a...
- Hi, I have been in a similar situation, credit card debt and the likes. I can feed my family of 4 for about $200 per month by shopping at stores like Save-a-lot and A...
Don't Know Where to Turn??? Husband Doesn't See That We Have a Financial Problem
Aug 20, 2009 ... We just got one credit card paid off and another one close to being paid off. ... "cccs phoenix") - often times they can negotiate with your bank for a lower interest ..... I know it's not easy right now, but larger companies often help with or .... Sounds like you are trying to do everything right! ...
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- You should read Dave Ramsey's "Total Money Makeover". My husband is a full commission loan officer. We have always had enough money for all our bills until more rece...
- I know what you mean. Currently my husband is looking for a second job because frankly he makes more money than I ever would. I sew some of my kids clothes and go to t...
- Sounds like you are trying to do everything right! How about refinancing your mortgage? Consolidate any debt into one bill/low interest rate? Watch carefully on you...
Has Anyone Used FreedomDebt.com?
You'd be surprised how many people put their credit card payments ahead of basic ... Be aware that contrary to what these companies tout, they don't have an ... However, they know the laws and how to negotiate. You can do any of this on ...
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- 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...
Any Experience with Debt Settlement Companies?
In the long run they never did any negotiating, the credit card companies .... The problem with debt settlement companies is that you really do not have any ...
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- Hi L., I am going through Consumer Debt Solutions. I started with them in 2006 but my fist payment was 02-07. They are very helpful and I am almost done with them. ...
- Hello L., My husband and I just finished with debt settlement. It was a good experience. We used Credit Answers. The most important thing you look at is if the com...
- Hi L., Where are you located? My husband and I teach families how to make and save money (get out of debt, save for retirement, children's education, etc.). Our off...
Need Some Advice About Bankrupcy/debt Elimination.
Definitely do credit consolidation. The bankrupcy laws have also recently ... They take all of your credit cards and call the credit card companies and get ...
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- T. - I have been in your situation before, and trust me, you do not want to continue the path you are on. It is great that you are making your mortgage payments on ti...
- http://www.cccservices.com/home.asp We have used them. Before bankruptcy you have to go through a debt management company. This one is non profit. Our counselor ...
- Hi T., My husband & I are also taking the Financial Peace University class by Dave Ramsey. It is helping us understand about setting up a budget, tithing, saving, ...
I Ask This with Humility....
I really do thank all of you for your input and advice. ...... into the 30% range and your credit card companies will likely ask for payment of your entire ...
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- There are certain protections for your home under bankruptcy law and provisions that allow you can affirm debts (agree to keep paying them) and keep the asset. You sho...
- Don't do it! If you're already in a stressful financial situation - you have to humble yourself & buy a car you can pay cash for - no financing, or it will only get wo...
- Hi Candace, It sounds like you have time to plan. If hubby graduates in the fall, loan payments won't start immediately. Does he change jobs after graduation or now...
Paying off Debt
Oh and by the way, you can negotiate with the credit card companies just like the debt counseling places do. Don't ruin your credit and let someone else be ...
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- 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...
