Consolidation Help Center
Credit Card Consolidation knowledge base
Does credit card consolidation work or not? I have heard that some companies end up with all your money, are there any good credit consolidation companies and if so what are they? Thanks for any help
i was thinking of paying credit cards off because collections. Should i use a credit card consolidation compan i was thinking of paying credit cards off because of collections. Should i use a credit card consolidation company to pay them all off and have only one payment and avoid bankruptcy?
Is credit card consolidation bad for your credit? I currently have good credit, but it's getting overwhelming. All my money seems to go to my credit card bills and I'm thinking of consolidating my credit cards, but i just want to know if that will ruin my credit? Will it lower my credit score?
What is a reputable agency for credit card consolidation? I have about 13,000 in credit card debt. I am recently single and now carrying the household costs alone. I have ran up some debt and am having a hard time making the monthly payments, I am looking to consolidate before I ruin my credit with late payments. I am in Canada.
how does the whole credit card consolidation process work? i have\ about $25,000 or more of credit card debts and i really want to pay it all but just can't so soon as am a single working mother with two kids... my credit rating is the lowest and all my cards have gone to collection agencies and attorneys have been calling and i can't answer i can't pay so much at one credit card alone and i want to have one low payment...i m scared cuz i heard you could go to jail and i m worried what would happen to my two little babies? i could go on and on about how crazily worried and sick i m from thinking about this every nite... but how do i go about the process and how long does it take please give me through information since i don't have much time to go here and there and research on my own i don't have much time and who ever gives me the complete information on how, how long, exactly how the process works will get the best answer! plz i really need help here thnx a lot for your responses. i no itz late but i want to work this out! just before answering my question, please read it throughly. my situation is THE WORST RITE NOW....i havent paid my bills in ages, and they have gone to collection agencies...i want to work this out with them i want to know a solution!!!! consolidate...who where when how? non-profit....etc! WHAT HAPPENS AFTER THE CRD CARD HAS BEEN GONE TO COLLECTION AGENCIES??? HOW CAN I WORK THAT OUT?
Thinking about getting a credit card consolidation? I am thinking about getting one of those loans that pays off my credit cards for me, and then I have to pay them. I know Bank of America offers this, has anyone had a good experience with one of these companies that they would like to share?
Can anyone give me some info on credit card consolidation? I have 1200 bucks worth of credit cards that I've been paying on but I lost my job and can't afford the payments anymore...is there anyway to get this small of a loan to help me out?
Has anyone ever used a credit card consolidation company and FINISHED paying off their debt? Who did you use? Tell me the pros and cons about using them. Thanks.
Does anyone know the best company to use for debt counseling and credit card consolidation? I am looking for a good company to help us negotiate the rates on our cards that we used to start our business. And to hear from personal experience if this is a good way to go.
If you use credit card consolidation companies to help pay off debt, does this effect your credit rating? I understand that no new credit lines can be open until debt is pain off using this service.
Are their any reputable credit card consolidation companies out there? Just wondering if there is actually a company that can really help out with the financial situation I am facing.
If I were to put all of my credit cards under CareOne's credit card consolidation program would it help? If I did that would that stop the creditors from calling me and my family by daily harassesing us for when they are going to get their money? Would it help?Could it work? Have other people put all of their credit cards under them or something similar? Did the calls stop afterwards?
What is a good company to get a credit card consolidation loan from at decent rate? ( With good credit)? I'm not behind on anything I just want to consolodate and cut them all up.
How can I get debt consolidation with hospital bills and non credit card debt? I have a bunch of hospital bills that really cost me in credit scores. I really want to try to consolidate it but I can't find anyone who does debt consolidation without credit card debt. Any suggestions?
What is the benefit of using debt consolidation for credit card debt? ? What is the benefit of using debt consolidation for credit card debt? I am trying to decide to either call the credit card companies myself and negotiate for a lower payoff/settlement amount, or to use a debt consolidation company? If I negotiate with the credit cards directly, will that be considered a charge off? I would want to settle myself if I can to avoid paying all the months of high interest. But if I use debt consolidation, then they will charge me a fee every month for so many years? What is their purpose? What would be the best route to go financially?
Does anybody know of any credit card consolidation companies and their interest rates? I'm looking to consolidate my cards so I can pay just one bill and save on interest.
Directory of credit card debt consolidation loans companies? Anyone have a good site with a listing of credit card debt consolidation providers?
Considering credit card debt consolidation, would this be a good choice; recommendations who I should use? Is there way to consolidate my credit card bills and get a lower payment without affecting my credit?
What is a good credit card consolidation company to go to? My debt is about $6000? Thanks in advance for any advice!
who is the best credit card consolidation company? I was looking at care one. Anyone have experience w/ them? well, my total credit card charges a month is about $350 (between my wife and I) I can't even make the minimum payments on all of them. I thought about just paying one or two a month a little extra, but then the others would grow and grow in interest and late fees.
Looking for information of legitamate credit card consolidation copanies?? I recently browsed the questions/forums of financial assistance for budget101 and had seen an entry for a credit card company of which I was able to preview a short video that had been seen on a news channel of this company. They were highly resommended by the person posting this information is response to someone else looking for the same assistance. I think they were out of colorado - please if you can help I would be greatful...
what's the best credit card consolidation service? you know those services that let you take your credit cards and consolidate the balance? They negotiate with your creditors so that you can make one consolidated payment, and eventually climb out of debt. What's the best service for this out there? I realize it stays on your credit report for like 7 years, but that's life.
any good credit card consolidation companys? would like to consolidate my 5 credit cards @ $21,480 total debit, paying out $705 per month in total to these 5 cards.
Are credit card companies in kahootz with credit consolidation companies ? I hear all these ads that claim to bargain with your credit card companies, lowering what you owe to pennies on the dollar. Do you really pay less ?. Or should I take out a personal loan, from my Credit Union, with like a 10.25 to 10.50% rate ?.(over 4 - 5 years)
Bank loan or debt consolidation program for credit card payoff? Due to a family tragedy, my husband and I are currently in $26,000 of credit card debt. All of the payments are current and the cards are paid on time with the accounts still open (we are not still charging, though). We are looking to seriously pay this down before the interest eats us alive. My husband wants to take out a bank loan and pay the cards off that way, but I am wondering about the debt consolidation programs you hear about (I know some of those are scams and some are real). Any advice or experience?
Credit card consolidation? How does credit card relief/consolidation works? does it affect your credit report? is it more expensive in the long run?
what are some good credit card consolidation companies???? i am looking for companies that you don't have to be late or behind on payments.
I am looking for information based on bad credit consolidation or a credit card that has at least $7500.00? credit limit. I'm wanting to combine/transfer all of my existing credit card balances onto one credit card and have only one monthly payment. Does anyone know of a credit card or a trustworthy debt consolidation company? I would like to take the credit card route only because it's faster and easier and there's not a million questions, but any advice would help. I need to get this done as as soon as I can. Thanks.
Credit card Consolidation Issue? I have been dealing with a credit card consolidation company and due to a new state law the consolidation company is not aloud to do business in my state. They gave me back all the money I gave them but now I have no clue what to do. Please help
Is it recommended to use debt consolidation for credit card debt? I am approximately $25k in debt, should I use a debt consolidation agency?
Any recomendation for a credit card debt consolidation firm? A firm that you ve been satisfied with and helped you to eliminate your debt with a competitive rate (i,m florida , miami area)
How do you go about consolidation on past credit card debts? I have some credit card debt from the past. I hear that if you wait a few years you can take the total off all your debt and combine it and pay like half the price and make payments to get it paid off and off your credit report. Is this even true? If so, how do I go about this? Exactly how many years do I have to wait? Thanksss!
How do I fix credit card debt, I got good info on http://credit-debt-consolidation.blogspot.com/ , need more? I have $10,000 in credit card debt, and found some resourceful information on the blog with some good links, and I am wondering if anyone has some more.
which is better credit card consolidation or debt settlement? I need an honest answer.? I also would like to know if anyone has been thru this and what company they used. I do not know which way to go I hear conflicting stories about each.
Credit card consolidation advice??? I owe 4k, 7k, and 6.5k to three different credit cards. Interest is near 30% on the first two and 19% on the last. I don't think a consolidation company is worth the trouble. Also in a side business I run I need to put down 15k to get some parts manufactored. Trying to get a line of credit for 30k but my first try didn't get approved. 1st of all I am not a crazy spender, these are all just bills from a project I under took and there were delays and that hurt my timing on when I would see profit. Now that I am incurring interest it is hurting and a problem. -I heard going to my bank or a bank, explaining the situation and asking for help. They may pay off my credit cards and place me on a low interest loan or something else. Also because they value my future business with them? -I don't have any land, etc but a decent mortgage and buy some property and use some of the extra money left to pay these bills or refinace? I am open to any advice or guidance on this situation.
Credit card consolidation...bad on credit? My credit score has dropped 20 points I think due to my balance on my credit cards being almost maxed. I had a 720 and now its down to a 700 and I am medium risk. I was wanting to go to a consolidation loan office but also heard that can be negative on your score. So then I was thinking a personal loan but I have NO collateral. I rent my apartment and lease my car. I have successfully paid off a full car loan in my name 2 years ago and I paid it off earlier then expected. I just want to know what options are best for me. I dont want to do anything to hurt my credit score even more and I also dont want to go into a loan office asking for 8000$ with no collateral and get laughed at. Any ideas?
When you consolidate student loans, can you add credit card debt into the consolidation? I will be graduating soon with about 20k in student loans. I also have about 10k in credit card debt. Is there any way to lump it all together?
Best source for credit card debt consolidation loans? Whats the best place for this type of loan? Banks?
Should I get a credit card consolidation loan for $7800 worth of credit card debt? I am on disability income $15,000 year....what is my best avenue
Does anyone know of reputable consolidation company for credit card debt? I have looked online and found some names but don't know who is legit and who is going to rip me off. Anyone who has used a particular company that has been honest and helpful and has a good reputation or simply one that has worked for you or anyone else that you know would be really appreciated. I just want to do this asap so I can start making one payment instead of multiple payments and also avoid the credit card companies reporting me to the credit bureau. Thanks I would appreciate any help, so I can stop looking at names without knowing who will solve my problem as opposed to who may cause them. Thanks!!
Credit Card Debt Consolidation? These companies that offers debt consolidation and credit management, do they really cut your credit card bills to 40%??
credit card consolidation or, just find a 0% card for 6months..??? I am trying to help ut a freidn and help her with some good advice on how to lower her monthly charges,, so what is a smarter way to go..in the long run? does credit consolidation hurt you credit score? even if you are not in any credit payment trouble,(not defaulting). thanks
Who is the best company to go with for credit card debt consolidation? I need to sign with someone ASAP I can not pay these cards anymore. I am really in trouble. What should be my first move?
credit card consolidation bad thing or good? I am thinking of Credit card consolidation I am one month behind on some of my credit cards and its hard to catch up this would be the right thing to do to stop all the latefees and over charges but I am thinking about refinancing my house or buying a new house and selling mine in a year. If I do credit card consolidation would this look bad on my credit and stop me from refinancing my home? also am I able to keep at least one or two credit cards open? I want to do this to get my credit score up but will this only bring it down?
Consolidation query and credit card limit reduction? Just need advice to see if this is a good idea. Ive been offered a loan over 30 months which enables me to get rid of my two credit cards. The rate is lower than the credit card rate. Being able to get rid of my cards is a big plus - although i want to keep one for emergencies but im worried ill be spending it again stupidly. How easy is it to contact the card compny to get them to reduce the limit? Thanks!
Which credit card debt consolidation programs are most reputable? I have about 15k+ credit card debt on 5 different cards. I want to consolidate, but every website/company looks exactly the same when I do online research. I've read that when looking for one, look for a NON-profitable organization. Which companies do you recommend for me to get a quote and go through?
Should I look into Debt consolidation with my credit card debt being $6000 or should I work something out? Should I go to a debt consolidation company or work it out amongst myself?
credit card consolidation? Has anyone tried credit card consolidation? what are the pros and cons? does it work? who do you recommend i go to for that? does it ruin your credit? should i just pay credit cards regularly instead?
Ok, once and for all...credit card debt. Is debt consolidation or credit counseling the way to go? I have about $15,000 worth of credit card debt(on more than 1 card). I don't use the cards anymore. I'm paying what I can but feel like I'm just going around in cirlces. I haven't defaulted on any of them and I'm not behind in payments. What's the best thing to do?
Huge credit card debt...Need advice on consolidation? My friend and her husband have a huge credit card debt (42,000) and she recently had to stop working due to a difficult pregnancy. They cannot make their payments any longer. The debt is in her name only and they are considering a credit card debt consolidation company but she is wondering would it affect her husbands credit if she filed it in her name only. Anyone been through this or have advice? Serious answers only please...they are having a really rough time right now.
Anyone had luck with a credit card consolidation company?? Have u really eliminated your debt....? I'm talkin about these companies u hear on TV/radio that 'claim' they can negotiate your balances and cut your debt up to half..and have you completely out of debt in a few years? What if any companies have u found that have actually done this??? help!! thanks!
Where can my husband get debt consolidation to pay off credit card debts without collateral? We went to apply at a credit union and the first time the lady said that we was approved of the amount that we asked for without collateral and that the next day we could fill out the forms and get our loan. The next day we went, it was a totally different woman and story. She told use that we was not approved at all for the amount of the loan that we have asked for but that they colud offer us another amount in which was not enough to pay off one of the four credit cards that we have. It's very, very fraustrating because we pay all our bills on time and we do make the mininmum payments on the credit cards which ranges from $50-$100 but that's not enough for them. We just want to pay off the credit cards and to build our credit back up again. What can we do? We need some help!!! We don't own or rent a home and we have a personal loan (that we pay them on time) already with the credit union that we went to to apply for debt consolidation loan.
Consolidation of Credit Card debt? I have maxed 2 of my credit card. each at 18% p.a. if i take up a loan at 12% p.a. to settle both credit card & only make 1 repayment towards the loan.. is it worth it? from 1 point of view, its basically creating debts to settle debts. but on the other hand.. it is at a lower interest rate.im confused!
Credit Card Consolidation? Can anyone please give me a good site that deals with credit card consolidation? I am looking for something that is quick and easy and is done solely online without those annoying phone calls. Thank you!
Credit Card Consolidation? Hello, I would like some real advice from someone who has been in this situation. Currently I am over $35,000 in debt in credit cards. I know that this sounds like a lot, but my actual use of the credit cards has been more around $16,000. The additional money is due to being late on one card and all my cards were raised to a 32% interest rate. I have tried to get personal loans, I have tried to negotiate the interest, and it is just impossible to get out of debt. I have paid close to $15,000 a year for the last three years just in interest. I want to know what happens when you settle your credit cards. Does this affect your spouse, if he is not only any of the cards? Does this affect a car loan you have or other credit cards, lets say if you settle two of them but still have a few small cards? Thanks for your honest help, please no mean answers because if you were in my situation you would understand what the balances were for. Thank you. I work on commission as a real estate broker. I make 50k a year, but there is no way I will be able to pay them off monthly.
Credit Card Consolidation? Two of my credit cards are Visa. One has nearly reached its credit limit while the other is only about 50% "full" but has a significantly higher credit limit than the first Visa. The first is Capital One while the other is Bank of America. What I'm trying to do is consolidate my first credit card so my second one pays it off so I can then cancel the first. How do I go about doing this?
Credit card consolidation? A few years back I fell into some financial problems, and ran up one of my credit cards. After months and months of fighting with the credit card people, I finally got on a payment schedule that I could work with. I do believe my interest rate was fixed for one year at 12%. Now with the year being over my rate is 29.something%. This tacks on another 100 plus dollars a month to the bill. I ran my credit reports and they all say something different, so I have no clue how to go about getting this lowered. Someone suggested I call one of those credit repair people, I am wondering if anyone has used one and if they helped. I was just getting this balance down, and now it is shooting right back up and I feel like I'm never going to be able to pay it off. Any help would be great. I should have mentioned the account has been closed for some time now. And the reason I brought up my credit report, when I called my credit card people to ask why the rate went up, they said they received something from the credit bureau telling them to.
Credit card consolidation? If I have a Bank of America Visa Gold (no balance - $5,000 credit limit) and a Bank of America Platinum Plus Visa (no balance - $2,000 credit limit) - Can these be 'consolidated' so as to form the one Platinum Plus Visa with a $7,000 credit limit? I've read where people have consolidated credit cards and combined amounts. How do I go about doing this? Thanks. Please note: When I say "consolidation"..this is what I have read the proper term to be (from what other people say of it). I am NOT in debt over my head and am NOT looking for a "Credit Consolidation" company by any means. I am talking about adding/combining credit limits from two credit cards from the same company, and adding them into the credit limit of the one credit card. I say this because somebody is bound to reply with spam about some credit consolidation/debt service.
Credit card debt consolidation?? What is the best and most trustworthy company/organization that does credit card debt consolidation? Which companies should I avoid?
Credit card debt consolidation company. Who is legitimate? I ran out of cash meeting uninsured broken arm surgury, then started using credit cards. Did the low rate transfers and all that stuff. Now back to work, but could not make payments last few months. Hounded by their phone calls all the time. Have not answered their calls. But I am now working again and can start making payments. I am ready to contact the credit card companys. Before I do, I would welcome any advise (or benefactors, Ha,Ha). Totally, by rough calculations I owe about $80,000. As an after thought, I am aware there were changes in the bankruptcy laws but do not know the specifics. Is bankruptcy a good option. Basically I have zero assets, no real property. In closing, who is a reputable debt consolidation company, is bankruptcy a viable alternative, or is their an an alternative I do not know of? Thank you for your advise. P.S. Spend $10 for a non-slip pad for your bathtub. Money well spent !
Huge credit card debt...Need advice on consolidation? My friend and her husband have a huge credit card debt (42,000) and she recently had to stop working due to a difficult pregnancy. They cannot make their payments any longer. The debt is in her name only and they are considering a credit card debt consolidation company but she is wondering would it affect her husbands credit if she filed it in her name only. Anyone been through this or have advice? Serious answers only please...they are having a really rough time right now.
Has anyone borrow from overseas money lender for credit card debt consolidation? Are they trustworthy? How can I solve my credit card problem? I owe about 50,000 sgd from credit card company. I have bad credit and the banks wants me to pay minimum payment that I cannot afford monthly, or else they will seize my properties. I used to pay about 1,600 monthly, but the debt grows every month due to late payment, lawyer charge, interest etc. How can I get out of this mess, I am planning to borrow from money lender to consolidate the debt and then pay montly at lower interest. Is there such organisation that lends money for debt consolidation in singapore? I have been in contact with overseas money lender that is willing to lend 50,000 at 5% interest PA but I have to pay initial charge at 800. Are they trustworthy? I can hardly make ends meet now. Please help...
Credit card debt consolidation help? I have trouble in handling my credit card debt lately, anyone here could enlighten me on resolving this issue? ( In local context, I'm Malaysian)
Seek ASAP answer - Credit Card Transfer / Consolidation? I asked this a while back and phrased it poorly, so let me try again. I have a Capital One offer to transfer up to $20K to a fixed APR FOR LIFE at 5.99%. From the 3 cards I carry, they total about $25K total. There is no annual fee, & NO transfer fee which surprises me (since it's typically 3% of the transferred amounts). This sounds like a pretty good deal, with a regular APR of 11.99% on purchases, although I'd plan not to use this card for any other means than to pay it off (feel free to laugh). Since the minimum payment each period is 3% of the total, or about $600 min, it's less than I currently pay in total for the 3 cards, but I would plan to pay $1K per month. Is this a good idea to do? My offer expires on 10/27. Does anyone know how to calculate future payments? Say I have a $20K balance at 5.99% APR. I make payment 1 at $1K... how could I calculate my next payment based on the APR & a new pre-APR balance of $19K? Thanks!!
Debt consolidation Loan/Credit Card? I have a bunch of credit card debt and am looking to consolidate it. I don't use my credit cards anymore and i have a perfect payment history on all my accounts on my credit report. Never one late payment on anything. I am looking for some way to consolidate the credit cards to one loan with a reasonable interest rate since some of my cards are very high interest( over 21% for one of them). The problem is being in a lot of debt i dont get enough credit when i apply anywhere to transfer the balances. I have some equity in my home but not nearly enough to tap into it or i could risk being "upside down in it" Does anyone have any suggestions how someone with a perfect payment history but hight debt to available credit ratio can consolidate? It is nice for people to try to help but i dont even know if the person who replied read what i said. I dont need my credit repaired i have a perfect credit history just lots of debt.
How do I fix credit card debt, I got good info on http://credit-debt-consolidation.blogspot.com/ , need more? I have $10,000 in credit card debt, and found some resourceful information on the blog with some good links, and I am wondering if anyone has some more.
I need some loan advice for credit card debt, what shall I do? I don't want a credit consolidation company. Is it possible for me to get a loan for some credit card debt? I have established credit and it is not the greatest but Im about 6,000 in debt with credit cards. I make about 2,000 a month take home and was looking for a loan so I can make one payment a month and pay off the high interest cards in the mean time. Any recommendations anyone?
Credit Card / Debt Consolidation Loans? Could this help me? I owe about 12k on my cards right now...
Credit Card Debt Consolidation Loans? Whats the best source for these? Other than my bank...
Anyone know from personal experience about credit card consolidation companies? From a divorce before we got together, my boyfriend was left with an overwhelming amount of credit card bills. We are able to make the payments right now, however it's very hard. We want to get married soon and start a family, however with the bills we have right now, it's impossible. I work full time, and he works over full time. Any suggestions?
thinking about credit card and debt consolidation...? i really don't know how to go about it, or if i am able to do it. i have less than 2000 in credit card debt on 3 different cards, and other debts (small medical, arranged payments with a past apartment and other things...) i don't know much about it, i just think it would be nice if i could make payments for everything at once. also, will this help my credit score?
Where to go for a Consolidation Loan? (credit card)? I am a full-time student, and last year I got screwed over by my University on my student loans and financial aid. I ended up having to pay the rest of my bill on credit cards and now I cannot get that cleared up fast enough... I want to consolidate these credit cards. Is there a place I can go that will allow me to do it as a student? What can I do? I feel trapped. I have managed credit cards very well and have always been able to pay in full at the end of each month, so I am really embarrassed about this. I hate even talking about it.
Reducing my credit card limits after consolidation? I just took out a loan for $10,000 in which $5000 paid of credit cards and I used another $2500, so a total of $7500 with all credit cards paid off. now I was thinking of reducing all my credit cards to $100 limit so all I'd have mainly is the $7500 I owe on the loan. Question is....Is this a good idea? If I kept the credit cards with the high limits would this show high risk along with a 10,000 loan? I'm working on refiancing next summer because I have a A.R.M mortgage and I wanna have the best score possibly by then..
Credit Card Help!? Does any one have any good tips about credit card consolidation or how to go about negotiating lower interest rates? I need help desperately and don't know how to start!
Which company do you recommend for debt consolidation and negotiate with my credit card companies? I also paying a credit card through an attorney after being served. Would this still be eligible for consolidation at a LOWER amount because they are raking me!!
I have $7K in credit card debt how do i get a consolidation loan ?? About $7K in credit card debt. my credit score is very poor around 450. I cannot get approved for a consolidation loan, i dont own a home to take out a 2nd, im living pay check to pay check. I really wanna consolidate with loan. please help, how do i get the loan to consolidate if my credit is so horrible i cant get approved?? Anyone know of any places?? i dont qualify for cash call cause you have to be 21 and im only 20...someone?? anyone??
I want to pay off my credit card debt. What are the best consolidation services I should use? I owe roughly $15,000 (between two cards). I was young and immature when it came to money and now I have to pay the price. I tried to get a new credit card to consolidate both balances but I was told in an application that my credit score was lowered by too many enquiries over a period of time (big bummer) so I can't get a new card. I almost went with Capitol One, thats how desperate I was. But alas I'm still stuck with these two high interest cards. They're college cards that I got when I was 18 (24 now). I tried to get the companies to lower the interest rate but they gave me a song and dance about the rates being on perma-set rate. So i need advice/help bad. :-(
Anyone know of a great credit card consolidation program near Lafayette, IN? I don't want to get scammed. I just have some credit card debt that I want to consolidate. Help me please!
Can I pay more than my Credit Consolidation Payment to pay off faster? I haven't started the Credit Consolidation process yet, but I intend to get my debt under control and paid off within the next two years. In looking into it however, I have seen that the overall goal is to reduce the monthly payment (say to $250-$300, for my type of debt). My debt is relatively manageable (11k) with my annual income, but the fact that it is on 13 different credit cards is killing me in terms of paying off the cards completely. I would like to have one huge debt, and make one huge payment in order to pay off my cards pronto. Do Credit Consolidation agencies let you make higher payments to pay off your debt quicker?
hi i am knee deep in debt does any one know about debt consolidation i owe 70000in credit card help? i was in a bad time in my life and now i am ready to make goo on my bill but its too much.i want a realible company i can work with any suggerstion thanks
Should I consolidate my credit card debt? More info in description...? I have around $15,000 in credit card debt. I am able to pay a little over the minimum each month, but my average APR is around 20%. It looks like it will be tough to bring these to zero. How well do these credit card debt consolidation work? Do they give you better APR rates? I have a good steady job and my salary will continue to increase. I am wary that they are more scams. Your thoughts are welcome.
If my company credit card goes to collection can I use a debt consolidation service to pay it off? I ended up using my company credit card for personal use while on medical leave. I was not able to pay it off completely right away and it was sent to a collection agency. I have a very nasty debt collector calling me all the time now (which is to be expected) but her story seems to change so I'm not sure if she's being honest or using scare tactics. I contacted a debt management program and am working on paying off the debt over the next 12 months. Meanwhile, this woman keeps calling me and now she's apparently (according to her latest voice-mail) set up a conference call with my corp office tomorrow. I'm just wondering if there's some reason using a lump sum settlement won't work on a corporate card?
what's the best way to consolidate credit card debt and from ur experience which company do u suggest using? i would need answers from people that went through credit card debt consolidation themselves to answer, please no advertising or financial company, thanks.
i have 5+ yrs of credit card debt and the bills are in collections. will consolidation help me? I have 5+ yrs of credit card debt and also had a repo about 2 1/2 yrs ago. I am able to begin getting my bills paid. Will credit consolidaton help or should I contact my creditors and set up payment arrangements. I have a least 5 credit cards, hospital bills, and a student loan. What is my best option?
Any one can help! I am in Singapore. I need a good and prompt counseling company on my credit card settlement? I wish to settle all my CC debit which i have much of dificulties. Can i go by all the bank direct or approch a credit counseling consultancy. I also need to know good compay. Is there in sg, any Credit Card Debt Consolidation company.? can i approch them?
what happens when i default on credit card payments that is already on consolidation plan? I've lost my job and am looking for a new one.
My mother has a lot of credit card debt and asked me to research debt consolidation.? She has over $25,000 of debt and has trouble making the minimum payments. We do not own a home and pay rent and auto loan monthly as well as the usual expenses. I looked at debt consolidation loans, and debt counseling sites and there is so much conflicting information. Anyone who has gone through the same or works in the field any advice?
How do you calculate the savings? (Multiple Credit cards vs. Consolidation)? If I have 3 or 4 different credit cards with different interest rates Example: A) I owe $13,000.00 @ 10.9% B) I owe $9,000.00 @ 11.9% C) I owe $4,500.00 @ 12.5% D) I owe $450.00 @ 19.8% And I may want to consolidate them in to one loan amount of $26,950.00 with an interest rate of 9.99% Is there a formula to use? How do you calculate the savings to make the decision to consolidate or not?
I have 67,000 in credit card debt.. I am going to a consolidation/counseling place how much will my paymets? probably be a month? I make 97,000 a year but have 2 kids in college so money is tight. And how many years do you get to pay those payments off?
I have credit card debt of 30,000. any solutions of getting out w/o bankruptcy or consolidation have more bill I have other bills and have 2 children to support. I work full time and my credit is not very good at all. I went bankrupt 2 times when I was married and was doing great but my son was in a terrible ATV accident and I was out of work for several months and lived on credit cards. Food, utilities, gas, and other things needed. My Ex and i share joint custody of our children but my kids do not go to his home very often. If I mention money my ex says he doesn''t make them stay with me. Turns into a big fight, My boys are both older (18 and 17) my oldest works but my youngest (the accident) he is struggling with school work(had a brain injury) and I dont want him to fail it's his Junior year of high school. HELP???!!!
what is a good consolidation company that can help me consolidate my credit card dept.? i owe atleast less than $14 thousand in credit card dept. should i file bankruptcy or should i just consolidate my credit? and im looking for a company that will help me consolidate( a good company)
consolidation on credit cards,how safe is it to do? i need to know how safe it is to consolidate my credit cards
Debt Consolidation and my Credit? I consolidated 2 of my credit card debts with a Debt Consolidation program and I am making monthly payments to the Debt Conolidation Program which in turn will pay my creditors with a negotiated amount. I understand it will have an adverse effect on my credit history but how negatively will this impact my credit and how long will it take before I have excellent credit again? I will have paid of my debts with this program in 3 years.
where can I get a Debt Consolidation loan for my credit cards without owning a home? I am looking for somewhere to get a consolidation loan for my credit cards even though I dont own a home?
What's a good credit consolidation company? I'm looking for one that will be able to consolidate my credit card debt, a bank debt, cell phone debt, and some other small ones that won't charge me alot and has a good reputation. Thanks
Will it hurt my credit on my preapproved home mortgage if I apply for a consolidation for my credit cards? I have been pre-approved for a home loan. I have not found a house yet. I want to consolidate my credit card and personal loans into one loan. I didn't want to exonerate my home loan approval.
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