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Credit Counseling Tips
credit counseling information
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US $21.00
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Chapter 13 bankruptcy rules credit counseling?
should I receive credit counseling from an agency approved by your country s Trustee s office to apply this chapter?
Should i use a credit counseling agency or just call my cc company and set up a payment plan?
due to hardships i want to know if it's better to deal with credit counselors or close my credit card account and pay a certain amoun.
What is credit counseling for bankruptcy?
Im soo confused with this credit counseling. Can someone please explain to me what credit counseling is prior to filing a bankruptcy petition? Im filing for bankruptcy. Im a legal services client, so they just send me the bankruptcy packet. I already got my 3 credit reports. Now my next step, is to do a credit counseling. I am soo lost with this. When i go on the website, i see its like they help you make a payment plan. My intention is not to pay for any of these bills. So i dont know why, they want to arrange a payment plan. I call the paralegal from legal services and she never called back. Last time i asked her a question, she said to just read the packet. Can i get someone else to help me with my case from legal services? Shes not much help.
What has your experience been like with getting help from credit counseling?
What are the pros and cons of working with these counselors?Did you get the help you needed?There is so much information out there on the internet its a bit confusing to know where to start. I know that the NFCC is a good place to start, right?Im trying to help a family member get through some tough times and would like to give him as much help as I possibly can. I don't have extra money that I can let him borrow but any advice could help. Maybe I will even show him all of the answers I receive here.It just might help knowing that he is not alone and that the resources are out there.Thank you all in advance
How to compare consumer credit counseling services ?
I need to use consumer credit counseling services. Can somebody know me details information, above that. would Credit Counseling Services affect my credit score?Thanks for advance.
I have a lot of debt. should i get credit counseling or bankruptcy?
most of it is hospital bills. I also have a file where a leasin company is trying to sue me for $4,000 for an previous apartment. what do you think i should do. i only have 1,200 a month of income. should i file bankruptcy? i'm on 26 and i plan on stating a business with my fiance. would filing bankruptcy affect us starting a business
Is this credit counseling trustworthy and are they the best at what they do? http://www.consumercredit.com/?
consumercredit.com I'm just trying to consolidate a few credit cards into one and pay one monthly payment. There is a specific very very complicated reason why I need to do this and it's a long story. But anyway are they trustworthy and is there anyone better? The reason I ask is because a graduate school financial aid debt manager suggested them to me and I want to make sure this is a trustworthy source as I have learned even some deans of colleges will lie to you.Yea but if I pay everything off as soon as I get the next student loan what's bad about it then? I'd be debt free instantly. I said it's complicated.It would be really stupid and wasteful to get a job to pay everything down when I have a million things to do and I can get a student loan and pay everybody off in 1 day.
Seeking good credit counseling/consolidation..need to fix credit! Need a good company..?
There is so many to choose from..I need a good solid one with fast results
Is there anywhere someone can go to get free or cheap credit counseling?
I'm not looking for debt consolidation or the kind of counseling that helps you pay off debts. What I'm looking for is someone to sit down with for a couple minutes to help me understand my credit reports and maybe suggest a course of action.I am not very qualified at this type of thing and I can't seem to understand my credit report. I have two negatives on it and they both look like the same thing. The account number is the same. What I think is it's a credit card I had a long time ago when I was young and dumb that I defaulted and I was closed. It looks like Wells Fargo sold the account to a collection agency because the negative item that is titled Wells Fargo Card Services says it was charged off and the month after it was charged off, a new negative item shows up under the title of a collections company with the same account number as the Wells Fargo item and the same balance. It even says the original creditor was Well Fargo and that it is a factoring company account. I can't tell if both these negatives are for the same thing because this report might as well be written in a different language to me but, as far as I can tell is they are. What I don't understand is they're docking me twice for the same debt. Why is that?I was hoping to negotiate some kind of pay for deletion but how can I do that if there are two negative reports for the same debt. Since one debt is charged off, it doesn't even seem like they would help me since they probably already got paid and sold it to collections. Also, I really don't want to pay off both these debts if they're both the same thing.Anyways, back to the original question. Is there anywhere to go for simple advice and help without getting into any kind of consolidation programs or anything. Does anyone have any insight on this situation. Preferably insight that is related to my question and its answers. I would not appreciate feedback from the type of people that write not to answer a question but to give your unwanted opinion on my situation. Thanks in advance for any help.
Where can I find an honest credit counseling service on line?
We are living paycheck by paycheck. After paying all our bills we only have around $300 left to last us for a month since we get paid monthly. That is never enough. I know we made some bad choices and deserve these consequences but I have a family to feed. A daughter graduating and hopefully attending college. I don't know how to take care of that one. And so many other things to take care of. Mortgage, car payment and the list goes on. $300 is what my husband and I have left over together. The CHIP health insurance I had for my 2 kids was dropped because according to them, we make to much money. I hate all those people that are liars and get food stamps and government assistance. Here I am at the grocery store scraping up my change to pay for my food and some low life in front of me is taking $400 worth of groceries That just boils me. I am an honest worker and these people just get everything free I don't condone those that really can't afford it but those that lie really make me mad Can someone out there tell me how I can maybe consolidate?
As anybody ever used a credit counseling program in NJ?
https commcredit.org This program is BBB A rating Has anybody ever used something like this & has success? I only have about $20,000 in debt & would like to start clearing it up. Please let me know your outcome. Thanks
How to use Consumer Credit Counseling Services (CCCS)?
I need to use consumer credit counseling services.Can somebody gives me details information, on that.Thanks for advance
Credit counseling is it worth it with economy down fall ?
I would like to buy a home but my credit is not great. The news about the economy doesn't sound good, so I want to know if getting credit counseling worth it?
Credit counseling for Bankruptcy?
Im soo confused with this credit counseling. Im filing for bankruptcy. Im a legal services client, so they just send me the bankruptcy packet. I already got my 3 credit reports. Now my next step, is to do a credit counseling. I am soo lost with this. When i go on the website, i see its like they help you make a payment plan. My intention is not to pay for any of my bills. So i dont know why, they want tp arrange a payment plan. I call the paralegal from legal services and she never caled back. Last time i asked her a question, she said to just read the packet. Can i get someone else to help me with my case from legal services? Shes not much help.To Qari I have 9 month old, with barely child support. Im not in the right path to pay for any of these bills. Your not in my situation, so you have nothing to say.
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