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Any comments on experiences with companies debt negotiation, firms seeking to reduce the indebtedness of a credit card?
After a divorce, my debts with credit card companies, especially with the new minimum payments increased unachievable, and I am looking for relief – these companies argue that, for a fee, 15% of the total traded = usually 50-60% of the original balance, they will negotiate with companies credit card and you pay the lower amount, something you can afford – are real and how they work?
From what I understand, companies in liquidation debt charge a fee based on the amount saved. For example, if you have a credit card debt of $ 22,000 and negotiate an agreement with your credit card accepting $ 12,000, then you will be charged a fee based on the $ 10,000 saved. If the rate was 20%, then you make the payment of debt $ 2,000. You can negotiate this for yourself. Information is readily available on the web. Check out these sites …… http://www.creditinfocenter.com/ http://credit.about.com/od/debtconsolidation/ss/debtsettle.htm http://www.zipdebt.com/
Does anyone know how to get a loan debt consolidation in Ireland with bad credit?
"I can please include Rep. of Ireland only related sites are of use? Unfortunately the U.S. and the United Kingdom only options are provided to US / UK residents. Thanks!
Please see previous answers to such questions, leaving the idea of a consolidation loan and then go see a qualified debt counselor. If you need help a dozen to pay old debts, join a credit union. Many churches have them in Ireland. Whatever you do, do not risk your home for a company consolidation loan. It is better to have a dozen of small debts, because if you pay something to each of them (not the full amount, but something), should not be able to retrieve anything from you. If you miss a few payments on a consolidation loan that will take your house and the auction itself. In all likelihood, they will not get everything the match for them and you take your mortgage lender and send the invoice for the outstanding amounts. Please see a debt counselor before the situation makes you feeling suicidal. You deserve better than the agony of a consolidation loan. One of my friends died young, because of one. The ads, in my opinion, ill.
Anyone know any good way to get a debt consolidation loan decent?
I want to get a debt consolidation loan, without using my home equity, but they tell me my credit score is great, but the ratio is too high. Well, I want to consolidate all CC debt I have, but it is running in circles. What is the point of trying to get a consolidation loan if you do not pay you because you have too much debt? Does anyone know of any bank or anywhere I can turn to who understands and can try to help me? Thanks for your help!
Brad, You say you do not want to use the equity in the property as collateral for a loan, so I'll assume that you own a home and have equity in it. If this is the case, then perhaps you should consider a home equity loan to consolidate your debts DC to a lower interest rate. Probably you will be able to further reduce their monthly debt payments by stretching the loan term. Also, if you live in the U.S. the interest you pay for the home equity loan can be tax deductible. More information here … If http://www.debt-elimination-guide.com/debt-consolidation-home-loan.html you have not made any payments to home then your options become limited. The best you can contact your credit card company (s) and ask for a reduction in the amount of interest they are paying, as well as a reduction in the amount you pay each month. Most CC companies will work with you on this and that can sometimes achieve results similar to what is expected to obtain a new loan. The credit card companies have less interest in place and a period slower recovery than a total loan repayment. There are also companies that can help you with this if you do not feel comfortable doing it yourself. Of Indeed, some will give you a debt free analysis before committing to anything. There are other options available too, but it would not be right for you at this time. If you want a recommendation on a few good companies and information about other options that you can find here … http://www.debt-elimination-guide.com/debt-elimination-options.html Regards Bruce
Should I take a student loan to pay credit card debt age?
I have $ 12,000 in debt credit card 5 years. I am currently in school full time and just cannot afford nothing. The collection agency wants me to get a student loan and stabilize the debt original $ 6,000. He is sending me in writing, now that the debt is paid in full show my credit report. It is prudent for me to do this or I a fool?
Do not you dare. If things go bad, you can file bankruptcy on credit cards. Student loans are not bankrupt for life. Collection agencies lie, cheat, steal, and generally are scum. They violation of one of his sons to get a commission check from a collection, and are bullsh! tting now. If the debt is very old, you can settle for 35-50%. Otherwise let them talk to a dial tone or sue. Anybody is better than taking a student loan.
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How I can find the best debt consolidation program in New Jersey?
I'm trying to stay out of debt and need help with debts unsecured. been trying to locate an online agent, but a kind of getting frustrated. NEED HELP ASAP!
I work in collections for a credit card company, we just look in the phone book and check with the Better Business Bureau. Always go for profit. The benefit to screw you over and most credit card companies do not operate for profit. And remember you can take about three months to get this configuration with the creditor. Credit counselors have to send their proposals to creditors for approval. So make sure it's all right with creditors and credit counselors. And you can still get calls from creditors until the proposal is accepted. I hope everything works out for you
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We are selling our house as a short sale. Does anyone know how badly that will affect our credit?
This is probably not a typical short sale. We are not behind in our payments and the lender has not agreed to come to us for any balance due. There will also be on the list this credit as satifactory paid as agreed. I heard that doing a short sale thus not affect our credit but again I have said dramaticaly wll affect it. Does anyone really knows or can give me an idea.
Be sure to keep a good working relationship with the bank that has approvge short selling. Make sure they give you a summary written about the situation, and the satisfaction of mortgage document. Be sure to get a copy of the Note satisfied mortgage. It's great that no delays occur payments. It is especially important for your financial future you picture to go ahead with all the paperwork, especially to obtain the name and telephone number of the most senior executives from your bank to provide the letter. It is almost a letter of recommendation. In this changing economy, they are wise to make sure credit agencies receive proper notification letters, after having received the bank. I know this is a lot of work on your part, but you will save tons of work if you do your own monitoring. Also make sure that the satisfaction of the mortgage going to notice you (you provide your address forwarded to the county recorder prothonitary or office), and if you do not receive it within 60 days, you may contact the county seat for direct reception. God bless you always. MBA-University Boston retired. CPA-… I also sold real estate to work my way through college, and I always advised my client to do their own monitoring, and saved your credit score. Yes, it shows on your credit score there was a short sale, but if you do special monitoring of the bank "letter payments received with complete satisfaction of mortgage document and provide all three credit agencies, which should be fine. Use these numbers to Order Reports: Equifax 1-800-685-1111 This allows you to get a free report if you have been denied credit in the last 60 days. Option 2. Make sure you ask only the credit report. Mail within 48 hours. TransUnion – 800-916-8800 – mail within 6-8 business days. Experian – 888-397-3742 – will receive a period of 8-10 working days.
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Where I can find the best mortgage current rates, in addition to Bankrate.com?
At the national level and local. Thanks!
If you know enough about what programs you qualify and how much is down, then PMT can probe a little banks or brokers on crude rates. If you have no idea what you qualify for programs, then you will need to apply for a loan.
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