They are a credit card debt consolidation company who in the process of negotiating with credit card companies to pay off your credit card debt, results in your credit score plummeting until everything is paid off.
Can someone please recommend a good credit card debt consolidation company? We would like to lower our APR and pay just one larger payment to a consolidation company and get rid of our credit cards. We need an honest company that won’t charge an arm and a leg for their services. FYI, we are in debt about k. Thanks for your help!
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I’ve become over whelmed with my credit card debt and I’m getting those phone calls because I’m missing payments and such. Anyway I’m looking for a credit card debt consolidation company that doesn’t screw people over, anyone know of any from experience or just know a good one?
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I was just wondering if anyone has any input on this..
Im trying to decide what to do about my credit card debt, its alittle over ,000.00 and i just cant seem to get them paid down. My main question is what does getting help from one of those credit card debt consolidation places you hear advertised about do to your credit score? Im weighing out my options and if anyone has any advise it would be greatly appreciated! thanks!
oh yeah- I would just make payments and pay them off over time but my minimum payment is 0.00 per card, and i have 2 cards.. so its impossible for me to get ahead!
AND YES! I HAE CUT UP THESE CARDS AND WILL NOT EVER BE USING ANOTHER ONE AGAIN!!!! It was the smartest thing i have does yet!!!
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I owe ,000 in credit cards. When economic times were better, it wasn’t so bad; I could balance transfer to 0% for a fixed 3% one time fee. Now it is much worse, I had to close an account to keep the interest rate from going high, when my debt to credit ratio is already bad now and nobody will give me a balance transfer anymore.
So now I essentially owe ,000 at 8.5% or so, if you compound the different interest rates and balances. With my current living situation / area I live in my rent is over 30% of my expenses. I can make payments each month, but eliminating the debt will take at least 3 years and most likely longer, as something always comes up. I budget extremely well; but it just comes down essentially eliminating a social life, cooking every meal, and that just sucks!
Should I do Credit Card Debt Consolidation or is that too drastic and I just should move in to a cheaper living situation (which is drastic as well, but oh well).
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Tags:3 years, budget, card debt consolidation, credit card debt, Credit Card Debt Consolidation, Credit Cards, credit ratio, economic times, interest rate, interest rates, time fee
I have around ,000 in credit card debt. I am able to pay a little over the minimum each month, but my average APR is around 20%. It looks like it will be tough to bring these to zero.
How well do these credit card debt consolidation work? Do they give you better APR rates? I have a good steady job and my salary will continue to increase. I am wary that they are more scams.
Your thoughts are welcome.
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I had ,000 in credit card debt. I tried and failed on starting a company in California. I have been paying down this debt (I am now down to ,000). Just using 0% credit card offers. However in this economy, I am not able to get credit card offers like that anymore. I wanted to use one of those credit card debt consolidation companies but I heard they can be worse than the credit card companies themselves? Is there a good one out there that I can trust?
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I am currently a junior in college and I desperately used credit cards to pay off college since financial aid didn’t cover it all so now I owe around 4,000 in debt. What is the best thing for me to do, since all of the accounts are closed, is there a college student credit card debt consolidation loan or?
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i would need answers from people that went through credit card debt consolidation themselves to answer, please no advertising or financial company, thanks.
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Can someone please recommend a good credit card debt consolidation company? My husband and I would like to lower our APR and pay just one larger payment to a consolidation company and get rid of our credit cards. We need an honest company that won’t charge an arm and a leg for their services. FYI, we are in debt about k. Thanks for your help!
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