$40,000 in debt with 4 credit cards, I have great credit and pay on time. Recently cc’s raised interest from 7.9 to 23% because they said too, much debt ratio. If I use consolidation will that affect credit and do they charge and are they just doing what I could do (like search for other credit cards with lower rates?)
Archive for June, 2009
Do debt consolidation company’s work and what do they do specifically?
Monday, June 29th, 2009$40,000 in debt with 4 credit cards, I have great credit and pay on time. Recently cc’s raised interest from 7.9 to 23% because they said too, much debt ratio. If I use consolidation will that affect credit and do they charge and are they just doing what I could do (like search for other credit cards with lower rates?)
How do get my credit card debt to zero?
Saturday, June 27th, 2009I had left USA around 4 years back as I could not get a job(software). When I left I had credit card debt. Now i want to be back and normalize my debt. I currently dont have a job. I checked my credit report on the internet but confused with the terms. Its certain that collection agency must be trying to locate me. I cant figure out my current debt, thats when I left and now(including interest?). I need help in how to take the first step and how its going to affect my job-hunt.
How can I get debt consolidation with hospital bills and non credit card debt?
Saturday, June 27th, 2009I have a bunch of hospital bills that really cost me in credit scores. I really want to try to consolidate it but I can’t find anyone who does debt consolidation without credit card debt. Any suggestions?
How do I settle my own credit card debt?
Thursday, June 25th, 2009I attempted to settle my own credit card debt, but all credit cards refuse to settle. They would rather wait until I’m 90 days late, charge it off or sell it to an agency and have me settle with them.
Any clues on how I can buy my own debt at 12 cents on the dollar like the credit collection agencies do?
is it possible to add traffic tickets to a debt consolidation program?
Thursday, June 25th, 2009I am about to go nuts, I am in very serious debt and to add to it i have outstanding traffic tickets. I was considering debt consolidation but what I’m wondering is if i can add the tickets to the debt consolidation plan?
Only serious answers please.
Thank you for your time.
that is what I am afraid of .. warrant ..
of course i will pay for the fines in full. If i am allowed to put the tickets in a debt consolidation program then the fines will be paid in full because the debt consolidation program pays for everything and then you pay them.
I have a $6,000 credit card debt. I want to pay it off, is consolidation an option?
Thursday, June 25th, 2009I am a college student. I graduate this July and I want to start paying off all my debt. I need to know what other options I have besides trying to settle with the collection companies because they ask to either pay it off or they require a big chuck of money then monthly payments and I cant quite do that just yet. Although I do want to pay it off as soon as possible. Would you recommend debt consolidation or do you know of any other options? Only nice answers please.
Debt Consolidation?
Wednesday, June 24th, 2009I am asking some general questions about debt (credit card)consolidation.
What is the best way to consolidate credit card debt with low income?
Wednesday, June 24th, 2009I have racked up about $10,000 in credit card debt stemming from college and medical expenses. What is my best option as I am still a student and working with a very limited budget? Are there hidden catches to debt consolidation companies; if so what?
What is the best way to negotiate with creditors to lower the debt?
What is the best way to settle credit card debt?
Saturday, June 20th, 2009I am in search of a company or method that will allow me to settle or consolidate my credit card debt. I have researched some companys but I am not sure what is real or a scam. Fidelity debt solutions is one of them. Has anyone had any luck with any of the debt consolidation programs or debt settling programs? Let me know. I need help.
Has anyone ever used a debt management or credit consolidation program?
Thursday, June 18th, 2009If so, what are the companies names, numbers and/or web addresses? I have been considering doing one of these programs for some time now, but I want to be sure I don’t pick a company that will be more harm than good. What kinds of questions should I ask a representative, once I find a company? Are there any fees involved? And how much is too much? I need serious advice here because these companies will have my personal information and debt record, so I want it to be with someone who will actually help me, not just make a quick buck. I have been researching some companies, but I am still not certain which is the best. How do you know? Thank you in advance for your help.