Consolidation Help Center
Bill Consolidation knowledge base
is bill consolidation using your home on a second mortgage a good idea? I have qualified for a bill consolidation loan which will give me a second mortgage plus cash out and pay off my credit cards making one payment and I could really use the cash to start a business.
What is the average bill consolidation rate.? Right now I live in a run down trailer and have 1 loan of 9,000 through citi finical and a 2000 credit card. I want to buy a house for 30,000 then use the houses equaty to get a bill consolidation loan for it all. Is that reasonable and what are the normal intrest rates for most of the consolidation companys?
Bill Consolidation? I am about $13,000 in debt. I spoke with this company that says they can cut my bills in half by having them settled and make one low monthly payment. Until know I have been paying little by little and not getting very far. Has anyopne used a similar program and is it worth it or will it make things worse?
What is a good bill consolidation company to go through? I have poor credit, partly due to my bipolar disorder. I am now on good medication for the bipolar, and I really want to work on my poor credit. I have very little in credit card debt, but a lot of debt in other areas, (like medical bills). I just don't know where to begin!! Help!!
what is a homeowner bill consolidation loan? We have a high debt to income situation. I am looking for answers to get out of debt.
how can I cosolidate medical and hospital bills? is there someone who can help, like with bill consolidation? I have an insurance co. that isn't so great and I'm left with lots of balances. I'm paying as much on them as I can but they still keep piling up from emergencys.
Does anyone know a lender that will lend a bill consolidation for bad credit? I have poor credit and i need a lender to lend me a loan so i can pay off the bad items on my credit report.Please help!!
any bill consolidation companies that actually make loans? i want to consolidate payday loans, medical bills, taxes. willing to pay any monthly payment. not a homeowner, and do not want to pay upfront fee which is against the law
How to get a Bill/Debt Consolidation Loan? ? If you are getting a consolidation loan to combine all of your bills, how do you get approved for one, if your credit looks over extended. I am so many personal loans they are killing me in interest. All are payed on time and as agreed but I still can't get approved to consolidate. How can I get approved?
actual bill consolidation loan companies? are there any actual bill consolidation loan companies for non homeowners that provide loans to consolidate bills not counsel or negoiate, actually consolidate bills with real loans please no sermons, just company names, i go to church 5 times a week
any bill consolidation loan company? actual lenders for bad credit, with a fixed address, working phone, track record. Not a credit counselor, or someone that will negoiate the bills, someone who actually makes bill consolidation loans, and will not ask for an upfront fee violating the telemarketers sales rule?
bill consolidation company? is there one bill consolidation by name that has actually combined payday loans, or government agency that will help like they are doing for sub-prime lenders, please no web sites, a actual name and phone number
Are bill consolidation loans necessarily a "bad" thing? Can anyone add as much input as possible on bill consolidation loans? Do they affect your credit? When is a good time (if ever) to do it? Horror stories? Success Stories? Background: I am going through a divorce, and I am taking all bills. I would split them in the divorce, but she's unemployed and would not pay them, thus negatively affecting the credit anyway, so it's better that I just take them all. But that swamps me. Advice? And for the "genteleman" who added so greatly about the personal aspect of the divorce, a little history for you: We were both working professionals. She worked in television station operations for over 10 years, and that is her profession. With the new switch from NTSC to digital, she was laid off, along with 1/4 of the entire operations workforce in television nationwide.She has no other sustaining professional training. She will, once she moves back to California, work fast food,grocery, whatever it takes to take care of herself. So, genius, I did nothing to affect her not working. Think before you speak.
debt or bill consolidation for payday loans? any companies out there that will pay off payday loans under debt consolidation program
I need to know in someones opinion the best comp for debt consolidation? I need to get a single monthly bill? Should I go in person or due it over the phone? I've heard some companies are scams and other's are more devious to your credit score. Also, how bad does it effect your credit? How many years does it stay on? Ok, thanks guys! Unfortunately the big problem I face is with B of A credit cards which are charging over 30% plus are also charging penalties for everything. I'm having many issues with just them. I want to try to avoid it but just in one month they gave me over $300 in penalties. I'm very lost as to what to do.
Grants and Bill Consolidation? Is there free assistance or software to help recieve free grants to to aid in consolidating or eliminating debts?
A good bill consolidation company in california.....? Anybody know how I can get my bills consolidated? I have credit cards and other bills that I would like to consolidate and make just one payment per month.
bill consolidation "loan" companies? anyone know of loan consolidation company that would pay off back taxes, actually payoff not negotiate, actual loan, no upfront fees or the dreaded payday lenders
Bad Credit, Need Bill Consolidation Loan, Where? I have bills totalling around $5500-6000 and need a loan to pay them off and close all the accounts and then just pay off the loan instead of 6-7 different payments....my credit is around 450, so pretty low, i've tried a few places but haven't been approved, any ideas, or I mean places to be guaranteed a loan? This debt is from when i was a teen and now i am older and mad at myself for it but trying to get rid of it...help!
one bill consolidation? does any one know of any companies who will consolidate all my bills(not loan) and maybe ruduce monthly outgoings in uk?
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?
anothe bill consolidation question.? I'm a little over 13,000 dollars in debt with combined unsecured loans. I'm trying to find a conslidation company who will give me low payments. I'm not looking to pay my debts off fast. I'm looking for lower payments. Even if it takes longer time to do so. I need to be able to pay rent and utilities. Anyone have advise?
Anyone paying 22% interest on a bill consolidation loan with Bank of America? 2 years ago I decided to take a loan (wanted to combine credit cards take a loan to pay off the debt)offer that I received in the mail from Bank of America. I assumed with my excellent credit I would get a great interest rate however as careful as I was the rate turned out to be 22% which is extremely high with my excellent credit. I took a $25,000 loan which I pay 592.00 a month (I always pay more) that I now learned I have to pay for 96 months which totals to be $56,832, I am so upset and not sure what I can do to get rid of this huge debt, any advise for this debt that is worse now than had I simply paid the credit cards off?? Thank you
Whats the difference between refinancing for extra $ to pay off bills and debt consolidation? ... as far as my credit score goes?
Does anyone know of any good Loan Consolidation companies? I previously posted a question re: my husband being a co-signer on his father house. He is in a bind where he has two delinquent accounts that he was trying to get one loan and pay for. Being that this house is on his credit he can not get approved for a loan. I do not know what else to do but debt consolidation. The two bills are of high interest and I am running out of ideas. Please someone help
Do debt consolidation companies pay off credit cards that are already in the hands of a law firm/collector? Chase filed a law suit against my husband for a delinquent credit card. He never had to go to court but they (the law firm) wanted $300/mt until the card was paid off. We're still paying on it and it's a huge budget buster! We only have a few other outstanding/low amount bills. I was wondering if debt consolidation companies would consolidate this Chase bill as well so we can get these people out of our lives!
Does anyone know a good consolidation company for your bills? I am trying to consolidate all my bills, this includes secured and unsecured debts.
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???!!!
where can a person with fair credit whosebehined on bills gat a consolidation loan quickly with no collateral? i lost every thing i owned in hurricane katrina.olease help
is consolidation of all bills atuo,home,credit cards;a negative reflection of crdit? i have been told that consolidation loans/pay off all loans throuh a finance company, shows up on your credit as a negative or bad decision.
Where can I go to get free debt consolidation? I need to lower all of my bill. I want to get into a free non profit debt consolidation.
When using debt consolidation can I include my sister's debt, since i'm paying her bills as well? When using debt consolidation can I include my sister's debt, since i'm paying her bills as well? She's out of work, and she needs help as well as I do. Right now Im paying for all the bills.
I am considering a debt consolidation. I want to know what are the best companies to go with? What are the? pros and cons of debt consolidation. Is it better to lower my bills and interest rates or pay them off with a lump sum and just have one monthly bill?
What services are available to people with hospital bills that have gone to a bill collector? I'm thinking of those places that advertise on TV and say "this is not a loan or debt consolidation, we negotiate with your creditors", etc. Do any of these places help people with hospital bills that have gone to a bill collector? If so, any info on these services would be very helpful.
What can you do if you are falling behind on all your bills, is debt consolidation a good way to go , ? what is a reputable debt consolidater or what can you do
Has anyone had a good experience with debt consolidation/credit counseling? I am not referring to a consolidation loan, I am refer to the services that take your bills and lump them into one monthly sum. If you have had a good experience, which company did you use?
How much does it cost generally to pay a debt consolidation company? I was wondering how much does it cost to pay a debt consolidation company to help you, because I want to know if it's worth it. I'm in so much debt making barely and I don't know what else to do. On payday I usually just have 100-200 dollars to myself because the rest goes to my bills.
Where can I find a personal debt consolidation loan for people with bad credit? I am in dire need of a debt consolidation loan and I have bad credit. I can make things work with $5000, but I do not know where to start. I have seen people with yahoo addresses claiming they can loan money but they sound fishy as it is not a company email, their emails always seem to be yahoo. Any info will help. I fell on hard times and am now able to pay my monthly bills but I cant seem to catch up what I fell behind on. PLEASE help asap. I have a 5yr old and I do not want him to suffer us loosing our home or car.
any bill consolidation companies that actually make loans? i want to consolidate payday loans, medical bills, taxes. willing to pay any monthly payment. not a homeowner, and do not want to pay upfront fee which is against the law
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?
Can I get a debt consolidation loan with bad credit? I would like to get a debt consolidation loan for my outstanding debt from closed credit cards, old utility bills, etc I have student loans, but I would like to consolidate them separatley and not through another loan. Also, I have an auto loan, would the loan be able to cover that as well? Please, real answers, and no opinions/judgements. Thank You.
Is it possible to get a consolidation loan with really horrible credit? I was in the hospital a while back and bills started piling up. I lost my job, was kicked out of school, and then my car broke down. I had no way to pay my bills and now that I have a job, I can't pay any minimum payments on anything including my student loan. I was just wondering if it was possible to get a consolidation loan to pay one low payment with my extremely horrible credit.
Where can I to start debt consolidation that works? HI, WOULD LIKE TO GET ASSISTANCE IN PAYING BILLS THAT ARE IN COLLECTION. I HEARD OF DEBT CONSOLIDATION BUT IM NOT SURE WHICH ONE IS THE BEST TO BEGIN TO PAY MY BILLS. I AM TRYING TO INCREASE MY CREDIT SCORE.
personal loan for bill consolidation? I am looking for a person to person loan. I have tried prosper and cannot get a loan through them. I need $25,000 dollars and expect to pay 20 to 25 % interest due to my bad credit. I have worked for the same company for 4 almost 5 years and would be able to pay the loan off in three years. I got sick and had to take a leave of absence for a few months and fell behind on most of my bills. I am now back at work however with all the medical bills that came on top of that I became highly in debt. Even paying $800 to $900 dollars a month on a loan would save me hundreds of dollars a month. If anyone knows of someone who does loans to make extra money let me know. Thanks.
I'm 21 & need help with my debt ASAP to get back into school. Any suggestions for the best debt consolidation? I can't get a loan without a co-signer and unfortunately I don't have access to one for miles. I'm trying to get back into a SUNY school who screwed me over on a medical leave so now I owe over 6 grand of unpaid balances to the NYS attorney general where the school sent the bill to be collected legally. I've tried everything from a salliemae loan to an alternative loan from my local bank, everything requires a co-signer which I do not have. I'm currently looking up debt consolidation web links for help ASAP. Any other help would be GREATLY appreciated. Thanks for reading all of this, I really want to go back to school and it's very frustrationg dealing with so many financial difficulties.
How does debt consolidation work? I am looking online to see if I can find a place that can consolidate my debt. All I am finding are places for credit card debt. Are there any places that just do general debt consolidation? I have only have two credit cards and the majority of my debt is medical bills, but it doesn't seem like they take care of the medical bills according to all these websites. Any help is appreciated!!
Has anyone worked with any debt consolidation company that has worked or is working for them? I am looking for a debt consolidation or debt relief company that is reputable and will do the job. I need to consolidate medical bills, pay day loans and credit card bills.
Does debt consolidation cancel your bills? A finance company gave me checks to pay off my credit cards. The checks said pay off and the amount owed. I checked one creditor online to see if it had gotten there yet and it had been paid just over the amount due as I had sent a payment just before. but it also had an amount due. Due I need to cancel this card myself? should I? or should i leave it and try to use it to get my credit score better?
Can you use a student debt consolidation loan for personal use? I have researched online and am still not clear on how this works. I really need a personal loan to help out with some other bills and am no longer able to take my classes. I am now in deferrment on my federal loan and they don't do credit checks or anything for a consolidation loan. Just curious.
How can I get myself back on track with my financial situation? Everything seems to have gone from bad to worse. My credits shot, I have two credit cards that I keep only to help my credit. Everything and anything that could go wrong lately has, my car dies and the bills keep piling up. How can I get myself back on track so I can fast track and pay everything off. I don't have a set amount of money I earn a week, so its really a week by week living. I was thinking that I could get a bill consolidation loan so I could have one lump sum to pay for a while, but i have shoddy credit. Anyone out there who can help?
Is it against the law to have more than two payday loans? I have two payday loans with two different loan offices. Is this against the law? And can I place a payday loan on my bill consolidation plan?
Debt Consolidation? We are curently way over our heads as far as charge accounts and/or credit cards go. My question...do you need good credit to get approved for a bill consolidation loan? Are there any good companies out there that would help you with that? What can someone do to receive help or what exactly is it called when you make one payment to a company and they make the payemnts to your debtors for you?
Is debt consolidation right for me? I have over $13,000 in debt. Three credit cards, phone bill, and one hospital bill. All of these accounts are behind. I was wondering if debt consolidation would be the best way to get out of debt.
Do you know how to find honest financial services? Do you know of an honest bill consolidation company that will help get lower interest and lower payments? He needs one because he made a mistake, as you do. He does not want bankrupsy because that is not right. Can you help him to find honest bill consolidators?
Where can I find a fast personal loan? I am in need of an unsecured personal loan today!!!! I have a bad credit score. I am working to try to get myself out of this mess, but it would make my life easier if I could pay some of these bills off and just have one payment. I do not currently have a checking account. I need this done A.S.A.P. I need about $5000. Please give me advice. By the way bill consolidation does nothing for me because I have been burned by them before.
bill consolidation? Believe or not-- I am in debt about $30,000 credit card only- and finally divorced the guy who helped raked up the bills. I consolidated today the three cards for a interst rate of 13 fixed to keep my monthly payments below $600 total. Was that smart or not? Before that I paid $700/month and wiithout using the cards ever, my balances only went down--about$200 toal a month. The bak I went with told me I will be debt free in 6 years, before that I estimated debt free in 15 years.
Loan Consolidation? Hello, I am seriously considering applying for a bill consolidation. I have a credit card with an extremely high interest rate 31% and need to shift the balance to an account with a lower interest rate. My credit rating is so-so...and I have only been approved for other accounts with half (if that) of what I owe. I don't want to hurt my credit score any further by applying for more and more accounts. I would like to know if you may have any idea about what type of collateral a bank would accept on a loan totaling $4,000. I am leasing my car & have no property in my name.
Bankrupsy vs loan consolidation? I have a cousin who is 25 years old and wants to file bankrupcy. He has debt but it is around $10,000. He is not a stable kid. He can't keep a steady job and when he does work he doesn't work full time and of course doesn't make very much money. I guess he has talked to loan consolidators and attorneys about filing bankrupcy. The people who have given him advice told him that there wasn't any difference between them in respect to your credit score. In other words, both hurt your credit score equally. Now, I told him he shouldn't file bankrupcy because his debt really isn't that bad to warrant it. Also, paying a consistent loan consolidation bill each month would help his credit. I'm really not sure if I gave him the right advice............SO what are the pros and cons of loan consolidation vs bankrupcy?
consolidation of bills.? Does anyone know of a company that will consolidate my auto loan with other loans I am consolidating. It's hard to find someone that will but I heard there are some companies that will. I don't have a mortgage to use as equity and it makes it tougher. Need help fast before I get repoed.
Urgent: Need advice for paying off student loans while in debt consolidation program for other bills.? Anyone out there with a good strategy for repaying the money I borrowed for tuition? I am currently enrolled in debt consolidation program because I lived to frivolously in my youth. I am also one of the primary homecare providers for a terminally ill parent. Thank you for your suggestions in advance! I am gainfully employed but have other monthly expenses such as a mortgage.
Bush Signs New Student Bill, Federal Loans Cut!? Ok, I was just reading an article on Time magazine about Bush signing a new student aid bill. http://www.time.com/time/politics/article/0,8599,1666124,00.html?xid=rss-topstories "It also cuts in half the interest rates on federally backed student loans — from 6.8 percent to 3.4 percent — over the next four years." I am a second year grad student on a four year program, and my stafford loans are currently on 6.8%... can I take advantage of this bill? if so, will it be through consolidation when I finish school? or is this in effect before I finish school? Many thanks!
credit consolidation or debt management? I have bad credit and have a lot of bills. I've looked at credit consolidation and debt management but most of them said they don't include car loans, to which I have 2 of them, and some don't do business in Washington state. I don't know which one's the best route. I just want get my life back on track and find a solution
Are Debt Consolidation Agency's a good idea to help lower debt? Between my husband and i we have about 12 credit cards. I know, i know we shouldn't have gotten ourselves in this mess to begin with. We are 22 years old, I have a steady well paying job and he is in the military. We do not have creditors calling yet, but we are struggling to pay the minimum payments. 1 of his credit cards did get recently charged off. I tried shopping for Debt Consolidation Agency's and the one i looked into was going to charge us a $2,750 service fee! Is this normal? Our total debt in Credit Cards alone is appox. $18,000 (not including car payments, household bills etc.) HELP!!! If not a Debt Consolidation Agency, then what? And if i go with a Consolidation Agency will it affect my credit?
Debt Consolidation. Where can I go for help? There are a few bills that I have which I would like to consolidate to just have one bill. One of those includes a personal loan. Are there any reputable debt consolidation companies out there that may be able to help me with this? If so, please let me know.
Is Debt Consolidation a good thing for my credit score or will it damage it ? Being a recent grad and not in my prefered area of employment is rough, as it is for many recent grads. My dilemma is my finances. My poor financial decisions (i.e. CREDIT CARD DEBT) in college has caught up with me and it is racking my brain. I have considered debt consolidation because of the seemingly positive benefits of reducing my payments and paying just one bill...BUT is it too good to be true? It seems that there are quite a few debt consolidation businesses popping up and that is cause enough to sit up and really ask what's really going on. I mean, is it really good for my credit (as well as my mental well-being)? Am I better off just toughin it out or should I take the leap and just take a chance with a reputable debt consolidation company? What's a poor girl to do?
Does anyone know of an debt consolidation company that also offers an loan to pay off your debt? What i am looking for is an debt consolidation company that can give me a loan to pay off my bills and also so that i can just pay one bill but also something that can pay my bils off now.
debt consolidation loans,home equity loans? me and my wife just bought a house 7 months ago and when we moved in we did not realize how much we needed to get the house adequete with furniture etc. so now we have ran up quite a few credit cards and have a 4000 furniture bill that we are barely getting by paying .so vcan someone tell me how debt consolidation works, and if it will mess your credit up. our house appraised at 92500,while we owe 86000 on it so any advice u give would help . thanks
Student loan consolidation general question? Hi, I'm looking at consolidation loans that offer cash rebates. Right now I'm looking at $1,100 rebates on my student loans with MOHELA. However, I was hoping to pay off a $4500 credit card bill with either a rebate or by borrowing more than I owe. Are there any companies that allow you to borrow more than you owe (l did this to pay rent as an undergrad) or include CC debt in a consolidation loan? Thanks!
IS credit debt consolidation really helpful in lowering your bills? Is there a down side? have too many credit card bills,I want to lower the charges without damaging my credit
Debt Consolidation...? Does anyone have any advice on debt consolidation? I want to learn everything I can about it before I take the leap to do it, what are the best companies, pros and cons...stuff like that. I haven't been able to work for the past few months because I moved to Virginia with my fiance and with me having a 3 year old with no one to help care for her, it's been really hard. She starts head start on the 3rd of September, however, it seems as if my bill collectors are gonna drive me crazy before then. I have been making payments, but last month I had to start making lower payments and half payments. Well that is not good enough for Wells Fargo. I just need some advice on this subject. Thanks to all, and have a great day! Well, I just got off the phone with incharge and they said there is nothing they can do for me. *sigh* Any other ideas?
Debt consolidation question??? I'm currently trying to pay my credit card bill and have had some trouble w/ my job the past few months and trying to get a new job so I haven't been able to make my credit card payments... my account is now in collections... so my question is that can I work thru a debt consolidation company?? and what would the process be??
What should I do to handle my debt? Loans? Consolidation? Ok so im about $6500 in debt. I have a credit score of 696 the last time I checked but recently have had a very bad run of jobs. I am now with a GREAT company (Alltel) and bring home about $2000-$3000 depending on sales. But right now im at the point to where I cannot keep up with my credit card bill, loans and unpaid debts. I need to try and get all of my bills (About 10) into 1 easy payment. Over maybe a couple years time. (Not including car payment or insurance.) I was considering debt consolidation but then was told that my credit will be ruined and I definitely dont want that to happen but I may if theres no other alternative. If I look into bank loans where should I try? I have a credit score of 696 but cant even get a department store credit card.
Bad Credit Consolidation, I want to consolidate $50,000 student loan, $15,000 mortgage, $3000 medical bills? I had a bankrupcy by bad advice, and I want to get all my financial troubles fixed and consolidated. I cant get a traditional loan. Who knows of any private lenders or sources where can can get a 10 year loan, and get this all paid off and behind me? Must be a real service that has fair terms. I can afford a $700 monthly payment After Consolidation my contract for deed will be paid off and I can offer my home as colladeral.
A debt consolidation company in Ontario, Canada? Hi I have the following debts, and I want to consolidate them to pay as little as possible--- 1) personal loan, $1400 balance. 29% intrest. -- $90 a month 2) computer payment, $1300 balance, 29% int. -- $60 a month 3) student loan, $17000 balance, 7% int- $223 a month 4) an old phone bill @ $1800 balance, $40 a month 5) store credit card, $280 balance, 29% interest, $18 a month I only have a prepaid mastercard other than what I listed above. I have a minimal income due to being pregnant, and no other assets in my name. (about $19 thou a year total). I am self employed, with no income verification (I am an esthetician who works at home for cash). I want to get a consolidation loan, so I can make only ONE payment a month, instead of worrying about 5 payments and different due dates. Also, I am not terribly concerned with a high interest rate right now, as long as I am only paying ONE high rate, not 3 like I am now! I don't want to use Wells Fargo or Citi financial help!
BANKRUPTSY/ DEBT CONSOLIDATION or WHAT? I am in serious debt, between 7 Pay Day loans (all unresolved) but paying back slowly, Credit card bills, Medical Bills, Misc. Bills, Rent and Utilities and so much more, I am overwhelmed. I owe close to $20,000.00 and i try to make small payments YET i never seem to catch up and only fall behind on my most important bills. What is one to do, i want to improve my credit BUT even with 2 jobs and struggling, denying myself completely i am still working with a 514 credit score and bills galore. Is bankruptsy (the second time in 4 years) an option. Debt consolidation? How do these people save you money when the debt you owe is exactly what you pay back if not more, including thier fee's for their services?. I always see AD's saying "negotiate your debt and save 40-60%"? Has anyone reading this been in debt and found a solution that worked? if so, what was it? I am desparate, my home ownership dreams are being burried by my debt! HELP!
debt consolidation: yay or nay? okay so i had about 6 credit cards, all went to collection agencies. i finally got around to paying them, got current with them (out of collection), and finally got the whole amount paid. i have 2 remaining. plus a student loan. should i consolidate or is that not a good idea? these creditors tell me not to. i am 21 years old and am trying my best to get these paid off with my budget plus rent and other bills each month. what are the good and bad sides of debt consolidation? i consolidated my 2 loans i had and they became one. what im considering consolidating is my 2 credit cards i have remaining. also my credit report still shows im delinquent on my other credit cards i paid off. some have been more than 60 days, some less. anything i can or should do about that? is my credit being ruined or helping it at all by the ones i did manage to pay off?
What's your input on debt consolidation? My husband seems to let his debt really get him down at times. I sometimes find him staring off in a days, and I know that's what's on his mind. I know he has student loans, credit card payments, and still paying on his truck, & other misc. bills. What's the advantages and/or disadvantages of contacting a debt consolidation company. How if at all can that help our situation? Thanks for your advice...
debt consolidation loan? i'm trying to consolidate my $25000 cc debts with consolidation loan but no banks approves loans to me. i think all of my ccs are maxed out. but i'm paying all my bills on time (only minimum..can't pay more). 2 are BofA$8800 with 24.99% interest,2 are CITI $9900 with 26.99% interest and rest 6 are$5500 . i asked to CITI card to lower my interest rates but they were not helping me at all. is anyone know where i can get a loan for debt consolidation? male 28 living in southern CA. credit score 640. annual gross $70000 . Married .wife not working( no credit). rent. please help.
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.
can someone use debt consolidation to pay off someone else's account? for example, Person A borrow $$ through debt consolidation and then use the $$ to pay off Person B's credit card bills.
Debt Consolidation Loans for people who don't have homes and have extremely bad credit.? I owe about 10,000 on medical bills and about 5,000 on other unsecured items. I earn about 40,000.00 before taxes. Is there a company who can and will give me a debt consolidation loan with bad credit and no homeownership? I am trying to help myself.
I Can't Tell If My Debt Consolidation Company Is Legit - What Should I Do? I'm in a little bit of financial trouble and have decided to consolidate my bills. After a few calls to a few of the different companies that offer debt consolidation, 800CreditCardDebt.com seems to be the the most legit. I have yet to sign anything, because since this is such a serious matter, I wanted to do a bit of research on the company. Turns out my payment is supposed to go to a PO Box in Long Island, but the Law Firm that will be representing me is actually located outside of Ft Lauderdale, FL. Now, first, the PO Box kind of sounded fishy to me, but then the fact that they don't mention the fact that they're actually in Florida.. I had to do a search on Google to find that out. And, I did a search on the New York and Florida Better Business Bureau websites, and they're not registered. My simple question is, are most debt consolidation places like this? I just don't want to get involved in a company that could possibly be a scam. Thanks! Also, I don't need a speech on not consolidating or whatever.. I'd like to do this, I just need to know if the company I'm going through is really reputable.
Debt consolidation or debt settlement? I just got separated from my husband a few months ago and ever since then he has not helped me pay for any of our credit card bills. We owe a little over $20,000 and most cards are unfortunately under my name because I had better credit score than him. One of the creditors started raising up the minimum monthly payment over 200% and the APR went up to 34 and I hadn't even been late on it yet. I have not been able to pay on this particular account for a couple of months now and I've been getting letters where they say they can help me lower the APR and what not but first they want me to pay $1500 to see IF I qualify. Would it be better to do debt settlement, consolidation or should I keep trying to work w/ the credit card company myself? And what companies would you recommend me using if any at all? Help!
Debt Consolidation Loans for people who don't have homes and have extremely bad credit.? I owe about 10,000 on medical bills and about 5,000 on other unsecured items. I earn about 40,000.00 before taxes. Is there a company who can and will give me a debt consolidation loan with bad credit and no homeownership? I am trying to help myself.
Bankruptcy? debt consolidation service? Consumer Credit Counceling Serv? I'm trying to not file for bankruptcy. Overdraft protection is the only thing keeping me from making late or no payments at all on my bills and that's nearly maxed out. I'm in huge cc debt, apppr 35k, and bankruptcy seems like the easiest way out and to feel like a person again. I want to try and fight my way out of this mess if I can. I would like to see if a service can help me but know there's a lot of scams out there. Is CCCS a debt consolidation service like Debtco or are they two different things? How do I go about finding a fair and reputable service? What types of questions should I ask? I'm near Portland, OR. Anyone have a suggestion of where to find a good service or lawyer (if bnkrp is in the future)? Also, is a charge off really that much better or different than filing for bankruptcy? What's the difference when it comes to your credit report and how it is viewed by potential lenders? TIA
how does debt consolidation work? how does debt consolidation work and i was wondering if you can do it with an old banruptcy and do you have to add all your debts to it like credit apt. debts or just the ones that are pressing you to get paid like monthly bills
Do those debt consolidation websites really work? My boyfriend is around $17,000.00 in debt. He almost signed up with one of those debt consolidation companies online. What they told him to do in a nutshell is to pay them X amount each month and not pay his credit card bills for about 2.5 years, then they would take the money he sent them and "settle" the debt and save him thousands of dollars. This would supposedly work because since he wouldn't have paid for those years, they would think he was about to declare bankruptcy and be afraid they wouldnt get any of their money, so they would settle for much less. He was guarantted to save atleast 5grand. Has anyone ever tried this and succeeded? it sounds odd to me.
Have you ever heard of debt management (not debt consolidation) and if so, do you think it is beneficial? Why? I make about $55,000/year and I currently owe approx. $34,000 in credit debt alone. That's not including my car and student loans plus I still have rent to pay etc. I do not want to file bankruptcy if I don't have to. I also would like to stay away from consolidation. My credit is average considering I have a high debt to income ratio, but I pay my bills on time. Today, I was told by a company that they have something called debt management. I've never heard of that, but they said unlike debt consolidation where they lower both your interest rate AND balance, all debt management does is get the creditor to lower the interest rate. I would pay a monthly payment to the company and a monthly fee and they would make my payment for me. At this point, I can only make minimum payments and my balance is going nowhere...Should I give debt management a try? What are your thoughts and please state why or why not. They said this will not negatively affect my credit score.
Have you ever heard of debt management (not debt consolidation) and if so, do you think it is beneficial? Why? I make about $55,000/year and I currently owe approx. $34,000 in credit debt alone. That's not including my car and student loans plus I still have rent to pay etc. I do not want to file bankruptcy if I don't have to. I also would like to stay away from consolidation. My credit is average considering I have a high debt to income ratio, but I pay my bills on time. Today, I was told by a company that they have something called debt management. I've never heard of that, but they said unlike debt consolidation where they lower both your interest rate AND balance, all debt management does is get the creditor to lower the interest rate. I would pay a monthly payment to the company and a monthly fee and they would make my payment for me. At this point, I can only make minimum payments and my balance is going nowhere...Should I give debt management a try? What are your thoughts and please state why or why not. They said this will not negatively affect my credit score.
Has anybody had any luck with debt consolidation through one of those companies? Im about 10 grand in the hole! I have been missing payments to credit cards lately, and have medical bills that I haven't even considered paying. I just make sure I keep my rent, and my care note payments up to date. I hear these advertisments all the time for debt consolidation companies (not bankruptcy) and was wondering if anyone out there has had any luck?
Can you recommend a Non Profit Debt Consolidation agency??? I just posted about co-signing for my husband who has horrible credit(25,000).. but got to thinking. We pay all of our bills on time NOW and he doesn't miss payments. The debt he has is old debt(charge offs). I just printed off a report for him on www.freecreditreport.com so I can figure it all out. Anyways, I want to find debt counseling or a debt consolidation agency that can help him clear it up. What site can you recommend? Thanks!
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