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Debt Consolidation Tips
debt consolidation information
Which is the best debt consolidation company?
I need a reliable debt consolidation program?
I am far behind in my payments to credit cards and they are garinshing my wages now that I am back to work.I have talked with a debt releif but they needed so much money that I did not make that in a month and it was only for 18 months.Could anyone give me some advice to where I can get some information to take care of these debts?
Should I attempt debt consolidation or just file bankruptcy?
First things first, don't call me an idiot or say I'm stupid or anything degrading like that. I am coming to yahoo answers for help that I cannot seem to find a specific answer for. That being said here is my story.I was a college student with a credit card and part time job, I lost my job so I wound up living off a credit card for a while and maxed it out after a year. Along with that I had a couple other store credit cards that I had to stop paying because I just did not the have the money to pay rent and keep food on the table and those were my priorities at the time. I haven't been able to pay any thing I owe in almost three years seeing as I was still a student and not working. I have just recently gotten a great job though bringing home around 700 800 a week and I'd like to start either consolidating my debt into an affordable payment per month. I was recommended to file bankruptcy as well seeing as I have over 50,000 in credit debt NOT student loan debt alone. I know it messes up your credit really bad and I won't be able to get a loan for a car or any other credit cards and I'll have issues renting an apartment. I get that, I really do, and I have considered the pros and cons of bankruptcy but it seems as if it is the best option at this time unless I can get a plan where I can make AFFORDABLE monthly payments per month. So yahoo community, with the debt that I have and not paying it for so long, would it be wiser to file bankruptcy or try to find a debt consolidator? Thank you so very much UPDATEI got 50K in debt because I had done a foolish thing and cosigned an apartment for a friend who wound up losing the apartment cause she lost her job as well and couldn't pay. That was about 7grand she still owed, then I broke the least at my apartment to move into a cheaper place which I then owed 5k, then I wound up losing my apartment about a year ago because my student loans never made it through on time to pay my rent and they evicted me which was another 9grand in payments as well as the first apartment I was living at not filing correct paper work for the DWP and canceling my service when I moved out and the person who moved in never changed the bill over and I didn't find out until about a year ago that she racked up a bill over 2k dollars in the time she was living there so that brings us to 24,000 in that, then my credit card was 6400 and my other cards about 2grand which is 32,000. And then on top of ALL this, I had 5 identity thefts from my first apartment
Can you use a debt consolidation company if the credit card companies have already sold your accounts?
Can you use a debt consolidation company if the credit card companies have already sold your accounts to collection agencies?
How do you choose a debt consolidation company?
Any Advice Please
Gave verbal/recorded contract to debt consolidation,but no written. Do I have to go with them?
Did verbal recorded contract with debt. consolidation Company,no written. Do I have to sign with them now. Found better deal.
Is debt consolidation right for me?
I have 2 credit cards that I need to wipe out I'm paying $1,200 a year in finance charges alone and it's hard to bring the balances down because they're each charging me over $50 a month in interest rates.I'm thinking of calling a debt solution specialist to handle my debts, which is WELL over $7,000. I apparently have the lowest interest rates on both cards and can't negotiate with my creditors.I know a debt settlement will cost me money anyway, but I want to stop using credit cards and eventually try to get ONE card with a super low interest rate below 12 %, which seems impossible in this economy I've yet to see a reliable credit card where the interest is steady at 10 % Any advice?
I have a debt consolidation question?
I have debt but, so far I am able to manage it. However, I was wondering what would be the best way to consolidate it.
How to get a debt consolidation loan with bad credit?
I just recently moved in with my brother and I have about 2300 dollars worth if credit card debt. However, I have been here for 6 months and just started a job this week which has put me WAY behind in my payments. I would like to get a consolidation loan for about $3000 but where should I go? My credit has been really hurt in this and I don't know what to do. After rent, groceries, and gas, I have nothing left. Please help
Auto loan for debt consolidation?
I have less than perfect credit, and I was wondering if I could apply for an auto loan in order to consolidate and pay off all my payday loan debt of about $5000? Ive tried getting personal loans but I can't get approved anywhere, and I need a solution fast because all my payments are about to be due.
Is debt consolidation bad for your credit if you have to resort to that?
Is there Debt Consolidation company that handles Payday loans and other debts?
Here's what I have $1000 payday loan debt$2000 debt to college$567 credit card debtYeah, I'm not too proud of all that, but is there a debt consolidation company which can handle all of these categories of debt? I've only been able to find ones which handle only one type but not all three.
Debt consolidation on title loan?
i am 2 months overdue on a titlemaxz payment its just too much money. can debt consolidation help me?
Debt consolidation or personal loan to pay off debt.?
Which program is more efficient and quick. I have some little bills I owe on and I want to just pay it all off instead of dealing with small interest charges. so would it be best to get a personal loan from a bank or go through a debt consolidation plan.Thanks
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