Jun 08
debtfreedomination.com
Debt consolidation. Is it real for the average consumer?
Not a scam! Negotiate with your creditors own and you get an offer better! All consolidators do is to get a negotiated settlement with its creditors and is charged to do that! Cut the middle man! Do it yourself!
Consumer Credit Card Consolidation Fraud
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Jun 07
How to consolidate credit card debt without hurting credit score?
The details: My credit score – 735 debt Credit card – 21000.00 can only afford to pay not a homeowner 400/month What are my options to consolidate this debt? I do not want to spend for debt management program. I'm planning to score a mortgage in the next two years.
You can use this credit monitoring service accounts estimates of future scenarios for these payments – credit-report free.totalh.com
Debt Management : How to Avoid Credit Card Debt
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Jun 06
Can you refer me to a good counseling company debt?
Can you refer me to a company of good advice from the debt? I heard there's a pile of debts consolidation companies rip out there, and I'm looking for one that maybe you had a good experience. If you could give me some suggestions, that would be great! Thanks!
There are scams out there. I used Consumer Credit Counseling Services and highly recommend them. It is a program you have to be willing to work with them so they can work with you. It will not be easy, but we work to get out of debt. The scams are the plans that promise all kinds of great things. Run, do not walk, away from their offices. Below is the link to the agency that regulates legitimate counseling programs … start there for a referral:
Commercial Debt Counseling – Don’t Declare Bankruptcy
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May 30
debtfreedomination.com
Is it possible to fix my credit in 2 years …. I have about $ 9,000. of credit card debt?
I'm in a program debt management. I'm going to be a nurse in two years and want to have good credit so you can buy a condo than a month after graduation …. I have 25 and do on 30K/yr and my score is approximately 540 crdit
Yes you can. But you have to do a lot of research. Fixing Your Credit is not as simple as paying off old debts. Those items will remain in your credit report as a negative score, unless you do some negotiation that have reported to as "payment." Furthermore, getting new credit will help you build your credit score. Having available credit, paying bills time, and maintain a good debt to income is key. I found a lot of good information on this site when I was working on mine, www.creditinfocenter.com.
Debt Management Tips : How to Consolidate Credit Card Debt
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May 22
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
How to Improve Your FICO® score
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May 19
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.
Why It’s Hard To Get Out Of Credit Card Debt
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May 19
Next Obama's Economic Plan: A stimulus but name The President is to develop programs and plans that sound like additional stimulus. But do not call encouragement!
Strategies To Get Out Of CREDIT CARD Debt Billionaire Bill Bartmann .flv
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May 17
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.
Rate Hammer – Best Mortgage Rates.mpg
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May 14
– debtfreedomination.com
What is the best way to resolve the credit card debt?
I am looking for a company or a method that allows me to fix or strengthen my credit card debt. I have researched some companies, but I’m not sure what is real or a scam. loyalty solutions debt is one of them. Does anyone has had luck with any of the programs for debt consolidation or debt settlement program? Let me know. I need help.
Try calling companies Credit cards, especially if 90 or days late in payments. Ask if “payment in kind.” This means that if I can have 1200 or 2000 in cash. If you agree tell them to send u the paperwork should state that did not report any of the credit bureaus. They then send the agreed amount through certificates mail. If you do not ask them to reduce your interest rate. Most will.
Dateline NBC – Credit Card Debt Trap Part 1 of 10
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May 12
Debt consolidation through credit counseling services consumer? Necessary information.?
I have approximately $ 2,000 of credit card debt that absolutely need to get paid. I talked to the credit counseling services consumer, a debt consolidation company, http://www.cccsstl.org/ and this is what they told me: Basically my payments would be reduced to about $ 130 a month for a total 3 cards to get my low interest rates between 6 and 10%. I pay it in two years instead of 8 as I am unbound. said the $ 130 per month includes pay a monthly fee of $ 49 directly to the credit counseling service for help and services. Is that normal when consolidating? Is that legitamet? I just would have to pay $ 80 more a month on credit card debt real and not a lot like me. Anyone have any knowledge in this area? Is the consolidation of a smart thing to do and what hurts your credit in any way? Is there a smarter way of doing it? LONG sorry and thanks!
I put this in the Source box. There is a wealth of information there and a great free program debt management software. I bookmark the site as I return to it often for the advice it offers. Hope this helps.
Credit Card Debt Negotiation for Easier Debt Relief
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