Has anyone ever use American Consumer Credit Counseling?
I have the name of the company from a financial advisor, but I am very tired on Using a debt consolidation company as always here stories so horrible. I checked their website and spoke with someone from the company the phone. They say they are nonprofit and gave me a budget to pay that sounded great, but I'm still nervous. I just wanted to get opinions from others 've already tried or have known people who tried it before proceeding.
American Consumer Credit Counseling is a nonprofit organization. Therefore, its IRS 990 form of annual information returns can be seen in http://www.guidestar.org. It seems like they had a surplus of $ 843,000 in 2005, and who pay them its CEO / Treasurer, Stephen Trumble, more than $ 323,000.
How can a person go about finding a short sale purchase?
I have tons of friends looking for a short sale and always tell them these properties are not always the best deals, so buy with caution. In addition to the Multiple Listing Service listings with "Approved Bank" or "Bank approval required ", where a person can find a short sale property?
A local real estate agent is the best way to find sales in short, as the agent takes into account that the price will be less than is owed on the property. That said, I do not know why his friends are looking for sales short. No bargains to be had in purchasing this type. The lender (s) in question did not approve one thing selling price well below current market value. Friends might do well to buy property for a "short sale no 'to the current market value. I guess somehow your friends think that a property sells for less of what should make a bargain. Nothing is further from the truth.
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I am having difficulty choosing between the solution to my problem of debt. I have about 8000 dollars Credit card debt right now. All are now collection agencies and I have no means to pay for all and all are criminals too. I've been thinking make a program of debt. I've been watching and seen the debt consolidation programs, debt settlement programs, consumer credit counseling, agencies Credit counseling and a plan of debt management … and I have the feeling that there's more I do not know. My question is which one is the best option. For the time being I know my credit is bad and I have nothing to put in security. I'm very happy to do anything online, because I see and talk to someone face to face. What is the fees involved in the programs? I have to pay monthly too? I just need all the information you can get right now.
Programs debt consolidation usually is left worse off than they were originally. My suggestion would be to call your creditors and ask them if they could reach payment plan that works for you. Also, choose the card with the lowest rate and ask if they could consolidate all your credit card debts with the agreement ending other cards. They can do this, and then you only need to make one payment per month and deal with a company when you are having trouble making payments. If this is not a option, try to make their minimum payments, while any extra money goes to the card with the highest interest rates.
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It is a debt settlement program is a good idea, compared with the use of a group Consumer Credit Counseling or Debt Consolidation?
Debt settlement / consolidation companies have deliberately default on their credit cards to settle for less. When used as a company, the monthly payment you make is going towards fees for its liquidation and to build an account settlement. Their fees are taken in the first place. Your credit card will not be paid and in default of full payment during this process, which ruins your credit. This is intentional so that they can threaten settlements for 50%. people who have signed with debt settlement companies often have the mistaken impression that their creditors will gladly work with these companies .. or forced to accept the settlements … are not. You can never predict how it will respond to your creditors .. that could be placed in 50% … or you may subpoena, will take you to court … and if they win, you could be facing wage garnishment. If the process fault may result in a much worse financial situation. If you already three or more months late and have money to offer settlements compared to less, then you can make your own offerings. Get all terms of the first writing. If you're struggling with credit card debt and who has exhausted all self-help options, then there are really only two choices: Introduction of a plan of debt management through a credit counseling company non-profit as the CCCS. They can negotiate reduced interest payments and settlements, but NO. Reference: http://www.nfcc.org – If that fails, the other option is Chapter 7 bankruptcy.
Method three for controlling unmanageable personal credit card debt: Consumer Credit Counseling
