veedawg asked:


I received a letter notifying me of this status and the opportunity to consolidate outstanding balances for a low monthly payment plan, however, I am a bit suspicious due to the late predatory practices of such major institutions.

Marcia

Bryan Burbank asked:


It is easy to have too much credit card debt and with the price of everything going up except your income you can spend more than you make. There are some solutions that can help you get rid of the debt that you have so you can get on to a more relaxing debt free life. You should always try to have no debt if possible because having too much credit card debt can cause stress and anxiety and also can cost you a lot of money in interest. You can get a Government Grant to help yo eliminate your debt or maybe a debt consolidation loan is what you need.

Find Free : Debt Relief Today

First getting a Government Grant to eliminate your debt is not really that hard to do but it is very important that you find the grant that you can qualify for. Many people do not know that there is grant money that is available to them and they miss out on this great opportunity to pay off there debts. You need to be in control of your financial future and you need to start today.

Get a Free Money : Government Grant Now

Also a debt consolidation loan is another great tool to consolidate your debt into one low monthly payment. It is much easier to manage your debt when you do not have to worry about multiple payments each month. Also you can save a large amount of money on interest payments because the loan will be at a lower rate than the credit cards you currently have.

Remember that you need to take control of your financial life now and there are many debt relief items that can help you do just that.



Leonard

D Green asked:


Okay so I was told I had to go to college otherwise I’d be poor the rest of the my life…..soooo what did I do, I went to college!!!
I have about 44,000 in private laons which they charged me interest of 7,000 throughout the last 4 years.
Plus i have a about 15,000 that I am paying back to my school with government loans. This is ridiculous….I feel like my life is over. Come to find out, I find that I could have went to BYU with an accounting degree, and pretty much garanteed myself a job for only about 1900 a semester!

What the heck! How do l get help paying off this debt. I wish I had parents that knew what they were doing when it came to money cuz i didn’t know anything back then….
I have 12,000 in the bank…so I am going to take that and pay off one of my loans….my dad said he’d pay off one for 4,000 right now…. so hopefully I can get my monthly payment down to 350 a month….
Should I consolidate? I wish I could reduce the debt. HEELLLP ME!!

Dawn

Bapo asked:


I am currently seeking debt relief through these debt arbitrators. I would like to know from people who have gone through this process to find out which company is the most respectable.

Rita

Cornie Herring asked:


If you are a bad credit rating, we have less option to resolve your debt issues. And if you are at the disparate condition to pull yourself out from debt and get rids of all the harassing phone calls from your creditors, there are a few options of debt relief for bad creditors.

Consumer Credit Counseling

There are many Consumer Credit Counseling service (CCCS) around to help you to solve your debt problems. You can enroll into their CCC program to get counseling on personal finance and follow their plan to resolve your debt problem. Normally CCCS is a non-profit community action organization whose staff members have the training and experience to help you help yourself. In many cases, CCCS assists consumers by contacting their creditors and arranging lower monthly payments. Some services are provided free to consumers. CCCS was founded by creditors to aid their financially distressed customers totally free of charge.

A CCC program will not lower your credit score, but it will be noted on your credit report and hurt your ability to get and the interest rates you pay on a home loan, a refinance, or a car purchase. Once again, be careful when selecting a CCC company as there are good ones and bad ones out there. Search online for any negative information that may be out there and use the Better Business Bureau to see a company’s record there.

Debt Settlement or Debt Negotiation

Debt settlementis an aggressive approach to debt reduction, which is appropriate for debtors with a serious amount of debt or who are considering bankruptcy. Debt Settlement offers you a chance to reach a negotiated settlement with your creditors, paying back far less than you currently own.

Debt Settlement is a way to get out of debt in the shortest amount of time, and with the least amount of money without filing for bankruptcy. There are some drawbacks though. Debt Settlement will hurt your credit rating in the short term, because you must choose to go delinquent on your bills. However, because it will get you out of debt more rapidly than any other option aside from Bankruptcy, you can start to rebuild your credit rating sooner.

Bankruptcy

Bankruptcy can be the best choice for you, but it should be an option of last resort. It will hurt your credit rating severely and is not a pleasant process to undertake and your bad credit record will remain on your credit report for 7-10 years.

Bankruptcy will free you from overwhelming debts so you can make a fresh start, subject to some restrictions. If none other options available to you, declare a bankruptcy can be your best choice. After filling the bankruptcy, you can start to rebuild your credit and improve your credit rating by open up a new credit card from banks like Orchard Bank (Orchard bank has credit card plan designed specially to help people rebuild their credit after bankruptcy). Use this new credit card responsibly and make the monthly payment timely to rebuild you good credit record.

Summary

Although less option available for bad credit debtors, debt relief options are still available. No one option fit everyone, review all the options available to you and choose the one best fit your financial condition.



Jerome

chaly asked:


My summons is not signed by the “clerk of the court” (i am in cook county, chicago area )- based on what i read on the affidavit, the collection agency “purchased the account from the original creditor”. I do not know what this is for - since the court date is schedule for next week, am i supposed to contact the attorney or the company to see what and how they got my information. I never received any notices from this collection agency. I do admit that i do not have the best credit and am making minimum wage. There are accounts on my credit report that are from 2000 thru 2003 , but i have been trying to pay them off. Where can i turn to for help? I cannot afford to pay the $2425.95 + cost as liisted in the summons.
What type of lawyer is necessary for this particular situation? And where should I search?

Alvin

gsforgrace asked:


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.

Brittany

Harold W asked:


For debt consolidation.

Shirley

mac j asked:


Hello,
Has anyone used Clear Credit Solutions to help get rid of their debt..I am thinking of using them to help me get my debt down and wondered if anyone else has used them…I just want to make sure they are legit before I go ahead…Thanks for the help!

Cody

momaj asked:


they help you get out of credit card debt without file bankrupcy

Ruben