how to negotiate with credit card companies
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Has Anyone Used FreedomDebt.com?
You'd be surprised how many people put their credit card payments ahead of basic necessities. ... Be aware that contrary to what these companies tout, they don't have an "in" w/these ... However, they know the laws and how to negotiate. ...
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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...
Seeking "Sound" Advice on How to Recoup from Major Credit Mistakes
then- call all creditors- negotiate a payment agreement with them- something .... Third, call credit card companies and ask for lower rate..or go online and ...
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 going .... You will need to pay them but closing may help negotiate terms of payment. ...
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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...
Need Advice on Those Debt Consolidation Organizations Out There!
They, in turn, disbursed the funds to our credit card companies. .... I believe you can call the companies yourself and negotiate something. Good luck! ...
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- 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.
How to Reduce Debt
Read all 30 responses: "Has anyone ever called the credit card company and ... of the debt available to pay them BEFORE you call them so you can negotiate. ...
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- Hey, I'm a credit counselor (non-profit) and there are many cc companies who will accept a lesser amount. There are a lot of ways to reduce your debt quicker than you...
- P. I don't know about paying the cc co off although I have heard of that. Here is a good one to call: Dave Ramsey's Office 1749 Mallory Ln Ste 100, Brentwood, TN...
- My best friend did that and they worked with her. Well some of them did and some didn't, but doesn't hurt to try. Good Luck.
Just Received a Court Summons
See if you can negotiate a smaller amount. Many companies will accept less if you .... Next question: Mom Is Being Threatened by past Credit Card Companies ...
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- Call and talk to them. Nothing will get you in trouble faster than trying to ignore the problem. I wish I had done that when this happened to me. Bottom line make a...
- I would move my $$ to a savings account for your child. You still have access to it but it's listed under their name too... or just pull it from the bank.
- look into DaveRamsey.Com There is a LOT of financial advice on the website. You can even download podcasts and hear Dave answer this question. He usually has a questio...
We Need Help
I know for a fact that you can negotiate your balance and interests rates with credit card companies. The sad part is, the only time they are willing to ...
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- Hi E.- Money (or lack of) is one of the biggest stressers in life. I'm sorry you are having to go this tough time. I know many others are feeling the same crunch, so ...
- E.- I know it feels like a big black hole you are in right now (we are just climbing out) but you have so many options! My husband and I are working an awesome prog...
- We have been a military family and my husband is retiring next month. I have tried to plan ahead (a little). I have a home based referral business and can help you e...
Help!!!!!
Don't do it, CCC is owned by the credit card companies! .... You can negotiate lower terms with the cards yourself and the extra $40 or so in fees a month ...
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- I don't know about that. But I have heard that the best way to get your bills down is to concentrate on the smallest one first. Any time you can(even if it's hard) pay...
- Don't do it, CCC is owned by the credit card companies!! Any good financial advisor will tell you not to use them!! Find another way to get your finances in order, fin...
- I wouldn't use an outside service until after you've done everything you can yourself. They don't really do anything you can't do yourself. There are alot of good boo...
Cashing in My 401K to Pay off Credit Cards
Call the credit card companies and if they don't lower your interest rate, ... You may be surprised how much they may be willing to negotiate if you call ...
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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 ...
