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Credit Card Debt Consolidation Service

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Sylvia Said:

Are there any online debt consolidation services that are worthwhile?

We Answered:

I have been trying this for the past year and it has not worked for me. So I think they are a waste of time with too hefty of fees. But that may be because I am jaded with the process. I have to declare bankruptcy now from trying to use one of these settlement places.

Eileen Said:

What is the best way to pay off my credit card debt?

We Answered:

There is no magic answer.

Income minus expense.

If you dont have enough money to pay off your bills, you need to earn more, or reduce expenses to pay down your credit.

Credit consolidation isnt going to solve the problem, just create ONE bill out of many PLUS their fees.

Set a goal to have 50% paid off by this time next year. That's only $200 a month.

Good Luck

Jesus Said:

What is the best debt consolidation service to use?

We Answered:


You don't need anyone to do it for you. All they do is negotiate your debts for you and collect a fee. You can do it yourself!

Call all of them and work out a payment plan and try to get your interest lowered or stopped.

Then, make the minimum payments on every one of them. On the lowest dollar value, put all your extra effort toward paying it off. Once it is paid off, then roll that extra money to the next largest balance. Continue this snowball until all your debts are paid off.

You proabbly need to cut your expenses back to the bare minimum. Get rid of cable, cell phones, internet, etc. Lower your electric bill, gas bill, water bill, etc. Don't eat at a restaurant until your debts are under control.

Try to increase your income by getting a second job. If you have a car with payments, get rid of it, and buy a good dependable used car for CASH.

Go to the library and get "The Total Money Makeover". Read it and follwo it carefully.

Go check out Dave's website as well.

Jackie Said:

If my company credit card goes to collection can I use a debt consolidation service to pay it off?

We Answered:

Debt Settlement, also called debt negotiation is an arrangement between a debtor and a creditor to repay a debt generally for a for a lowered payoff amount. When a debtor is not able to pay the debt any more for any reasons, debt settlement is the only option that remains.

Generally, only unsecured debts, like those accrued with credit cards , can be negotiated for settlement. This is because of the fact that there is no security attached with unsecured debts. Hence, the lender can't repossess anything. On the other hand secured debts, like home loans, mortgages, car loans etc. have a collateral attached to them and can be repossessed by the lender if a default on debt occurs. So, there is no debt settlement or negotiation with secured debts. Read more about it at:

Timothy Said:

If I use a debt consolidation service to help pay off my cc's, why would my credit report take a negative hit?

We Answered:

Initially, your credit will take a hit. However, some of that is from what you had happening before you consolidated the debt.

Once you enter into an agreement, you are not allowed to obtain anymore debt (including buying a home) until it is completely all payed off. Once everything is payed, your credit score will be better.

I say go for it. I know someone who did this, and their credit is great now. Your Ad Here

Discuss It!

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