If I negotiate with the credit card company to reduced my debt or monthly payment, will this somehow hurt my credit score.
I plan on refinancing my mortgage when I get another job, and I don’t want my score to be hurt.
There isn’t enough money to do that.
They won’t stop calling him so he wants me to look in to debt consolidation.
I have no idea what to look for in this area.
Have you experienced this sort of thing? Have you used a Debt Consolidation Organization?
Are there really “Not for Profit” organizations that can help… So I can be sure that they are not just working for the companies to f*ck the consumer over?
PLEASE give me info and experiences on how to best go about consolidating credit cards.
I know that this is not technically My Problem but I need to keep this tard happy.
He is, to be honest, not intelligent enough and does not have the ability to just get down and do the nitty-gritty, even when it is in his own best interests.
I am looking in to this for him because if I don’t, he will just not shut up about it and that will ruin MY day…
So please… No more It isn’t your problem replies… I know it isn’t… But it is better on ME in the long run if I just shut him the hell up!
The person had a home that they maintained a lifetime estate on and then they died.
Do the companies just write off the debt?
Do they go after relatives?
Do they go after authorized users?
I have tried to get a card with a better rate to transfer my balances to, but the issuers won’t give me one because I am using so much of my available credit now. I have not had any late payments on my credit accounts, tho.
Should I try to get a home equity loan to pay off the cards, or is that a bad idea, too?
I know that I got myself in this situation, and I am wholly responsible. I do not feel right about declaring bankruptcy, but really want to get out of debt somehow.
If I am unable to get a lower rate, then I don’t see a way to rid myself of the debt. Any advice?