Debt Consolidation Program Tips

debt consolidation program information

Can anyone tell me if it's good thing to get into a debt consolidation program?
I am in financial hardship and I owe more than 30,000 in bebt of unsecured creditcards of my business expenses. I am thinking about enroll in debt management program.

Would a debt consolidation program be a viable option for me?
I have 3 credit cards on one, I have almost 4,000 in debt on the 2nd, I owe over $4,000 and on the 3rd, just over $1,000. I make my payments on time, and I pay higher than the minimum on two of them. However, between those credit cards, rent, car insurance, car payments, student loans, and everyday living expenses, it still feels like I'm not getting anywhere. I don't have a second job, although I'm currently looking. Therefore, I'm thinking of using a debt consolidation program. I would probably use it for two of my credit cards, and keep one for emergencies, especially since that card is connected to my bank account overdraft protection . Would this be a viable, practical option for me?

I owe 70k in debt, not including my two properties Who has the best debt consolidation program?

Can I cancel my debt consolidation program with no consequences?
My husband and I have been in a debt consolidation program and have about 6 months left. We could totally handle the amount that is owed on the remaining cards outside of a debt consolidation program. My concern is if we continue with the program those cards will be closed at the end of the program. If I cancel the program now and continue to pay off the cards on my own, they will not be closed as have other cards that have been paid off during the program . BUT, does making this change and cancelling the debt consolo program effect my credt too??My credit score has risen in the past year quite substantially. I do not want anymore closed accounts showing up on my credit report and affecting my score. We are planning on buying our first home next year and need all the good credit we can get Thoughts??We did not join a debt consolo program because we were behind on our cards. we did it to keep track of our payments. None of the cards have a past 30 day mark on our credit report. It was just the easiest thing for us to do at the time. We make great money, have good credit scores and have been pre approved for a mortgage already. Keep the asshole remarks to yourselves please

Who has the best debt consolidation program?

Which do you think is less expensive? Going bankrupt or using a debt consolidation program?

Is there such a thing as a legit debt consolidation program out there?
Does anyone know of any real debt consolidation programs to reduce your monthly bills? I currently have a lot of short term, high payment interest loans and I had to recently find a new job that doesn't pay quite as good. I need to reduce my monthly bills while maintaining my good credit of course any ideas would be much appreciated. Thanks.

Cancelling debt consolidation program?
my mom has been paying into a debt consolidation program for over a year. They have failed to negotiate any creditors yet. They take a hefty amount from her bank account every month. IF she cancells, will she receive any of the money back . I know she probably wont receive the debt consolidation companies fees back, but what about the other money that is just sitting in the bank account waiting to pay off creditors?

Can someone please help me find an online non profit debt consolidation program?
Would like to get my debt consolidated into one monthly payment, just need help finding a non profit orginization.

Does anyone know of a LEGIT debt consolidation program ?
has anyone ever used a debt consolidation company ? i mean a LEGIT one .. preferably NOT FOR PROFIT ., im looking for one and ive come across some pretty how can i say this " bullshit" ones so someone help

Who has the best payday debt consolidation program?
am looking for a good company to consolidate some payday loans I have. Need a company that will negotiate with creditors right away

Is it possible to add traffic tickets to a debt consolidation program?
I am about to go nuts, I am in very serious debt and to add to it i have outstanding traffic tickets. I was considering debt consolidation but what I'm wondering is if i can add the tickets to the debt consolidation plan?Only serious answers please.Thank you for your time.that is what I am afraid of .. warrant .. of course i will pay for the fines in full. If i am allowed to put the tickets in a debt consolidation program then the fines will be paid in full because the debt consolidation program pays for everything and then you pay them.

What is the best way to get into a debt consolidation program to pay my back bills?
im trying to pay back my unsecured credit i owe and i am unsure of what programs are good. know of any?

Questions about Debt consolidation programs.?
I've got about $1,500 2,000 dollars worth of debt I need to get rid of. I've been paying it for a while, and I seem to be getting nowhere. Has anyone ever used a debt consolidation program? If so, was it effective? Were there any consequences? I'd like some input