Anyone know of tangible debt consolidation?
My husband and I need some debt help, but near are so many scams in our time, does anyone know of a company who works well, or who did you use?
Answers:
Consumer Credit Counseling Service. They are all over the United States and their service is free. They are a great give a hand!!
If you can, go to your bank. They may be likely to give you a loan to consolidate your debt. I did this and I was amazed when they agreed to hand over me a loan.
But if this route is not open to you there are a quantity of ways you could approach this - it depends on your circumstances as to which is the best route for you.
It really pays you to do your own research and shop around. There is a website here which has a lot of information and encouraging advice. I hope you find your answer.
Good luck! Source(s): http://www.fundconsolidation.com
Going to credit counseling is almost equivalent to filing collapse, do not go to credit counseling, your credit will be ruined if you do. If you own a home, is the best way to dance, to refinance it and pay off your debt, & get hold of a low interest rate, if your fico is desent, sorry there is no company that works well, you simply can't trust them.
The agency it works is they take a portion of your payment (which they keep) & convey the rest to the creditors, ("negotiate it" ) whenever you negotiate, or settle balances or payments with your creditors it is reported to the credit bureaus as a settlement,for smaller number than the amount.
When you obtain a credit card, you sign a disclosure saying you promise to pay packet on time and as agreed, as agreed is when you signed on the dotted line, consequently it must be kept as agreed.
Whatever you do, do not go to any of these companies, as I've said it will ruin your credit and if you are planning on purchasing a home any time soon, you won't be able to, have gone to credit counseling, (credit counseling) in the lender's eyes means you are not competent to manage your bills and cannot pay prompt, (you are a distressed consumer) therefore they couldn't approve a bigger responsibility such as a mortgage loan.
Read these very influential articles:
(Knowledge is power)
http://www.ftc.gov/opa/2004/03/credittes…
http://www.ftc.gov/bcp/conline/pubs/cred…
http://www.consumeraffairs.com/news03/cr…
http://www.consumeraffairs.com/debt_coun… Source(s): PEOPLE'S CREDIT GETS DESTROYED WHEN YOU DO THIS, THE REAL AND SERIOUS ANSWER IS: STAY AWAY FROM IT.
HAVE BEEN IN BANKING, & REAL ESTATE FINANCE FOR OVER 15 YEARS. I SEE IT HAPPEN MORE THAN I'D LIKE TO.
Bad credit is one of the worst problems to have... however there exists a solution.
I will hereby speak from my personal experience.
I did debt consolidation a couple of years ago, however If I had to do it again I would pay to some minor details,
if someone requests to get out of debt today it is pretty easy beside a debt consolidation plan, however it may get a bit tricky at times, I suggest you get as much information as possible online on this first,
a right place to start in my humble opinion is astraight to the point ebook next to question and answer I found :
http://umgarticles.atspace.com/debt-cons…
if it helps big-heartedly remember me in your voting!.. cheers!
Related Questions:
Debt consolidation...debt nouns or a scam?
I'm looking for an unsecured loan of £15000 for debt consolidation next to a even-handed to fruitless credit rating. reccomend
I am thinking of getting backing next to a debt consolidation company,?
Answers:
Consumer Credit Counseling Service. They are all over the United States and their service is free. They are a great give a hand!!
If you can, go to your bank. They may be likely to give you a loan to consolidate your debt. I did this and I was amazed when they agreed to hand over me a loan.
But if this route is not open to you there are a quantity of ways you could approach this - it depends on your circumstances as to which is the best route for you.
It really pays you to do your own research and shop around. There is a website here which has a lot of information and encouraging advice. I hope you find your answer.
Good luck! Source(s): http://www.fundconsolidation.com
Going to credit counseling is almost equivalent to filing collapse, do not go to credit counseling, your credit will be ruined if you do. If you own a home, is the best way to dance, to refinance it and pay off your debt, & get hold of a low interest rate, if your fico is desent, sorry there is no company that works well, you simply can't trust them.
The agency it works is they take a portion of your payment (which they keep) & convey the rest to the creditors, ("negotiate it" ) whenever you negotiate, or settle balances or payments with your creditors it is reported to the credit bureaus as a settlement,for smaller number than the amount.
When you obtain a credit card, you sign a disclosure saying you promise to pay packet on time and as agreed, as agreed is when you signed on the dotted line, consequently it must be kept as agreed.
Whatever you do, do not go to any of these companies, as I've said it will ruin your credit and if you are planning on purchasing a home any time soon, you won't be able to, have gone to credit counseling, (credit counseling) in the lender's eyes means you are not competent to manage your bills and cannot pay prompt, (you are a distressed consumer) therefore they couldn't approve a bigger responsibility such as a mortgage loan.
Read these very influential articles:
(Knowledge is power)
http://www.ftc.gov/opa/2004/03/credittes…
http://www.ftc.gov/bcp/conline/pubs/cred…
http://www.consumeraffairs.com/news03/cr…
http://www.consumeraffairs.com/debt_coun… Source(s): PEOPLE'S CREDIT GETS DESTROYED WHEN YOU DO THIS, THE REAL AND SERIOUS ANSWER IS: STAY AWAY FROM IT.
HAVE BEEN IN BANKING, & REAL ESTATE FINANCE FOR OVER 15 YEARS. I SEE IT HAPPEN MORE THAN I'D LIKE TO.
Bad credit is one of the worst problems to have... however there exists a solution.
I will hereby speak from my personal experience.
I did debt consolidation a couple of years ago, however If I had to do it again I would pay to some minor details,
if someone requests to get out of debt today it is pretty easy beside a debt consolidation plan, however it may get a bit tricky at times, I suggest you get as much information as possible online on this first,
a right place to start in my humble opinion is astraight to the point ebook next to question and answer I found :
http://umgarticles.atspace.com/debt-cons…
if it helps big-heartedly remember me in your voting!.. cheers!
Related Questions: