Debt Consolidation Sources

Posts Tagged ‘Credit Card Debt’

I am 25 years old and have racked up a ,000 credit card debt to 3 different credtors over the years. I was making the minimum payments until my extravagant spending caught up with me. I have been making the bare minimum monthly payments on my Visa credit card. On my Bank of America and AMEX credit cards, I have been delinquent in payments for over 8 months. The creditors are constantly calling me at home and work harrassing me.

I do intend on paying back my debts in full. I just wanted to know from any experts or anyone with experience what would be my available options to cut my interest rates and pay off my debts faster.

I know there are a lot of scams out there and Ive read about "non-profit" credit consolidation agencies that are actually more damaging to your debt management plans.

Bankruptcy is not an option for me. I intend on paying back my debt no matter how long it takes. Any advice would be greatly appreciated.

Also: Can they freeze my checking accounts?

I am trying to consolidate about k of credit card debt. Anybody know of any good websites to go through that wont screw me over? And is going non-profit really as good as it seems?
I am behind on payments and I’ve already received letters from creditors. Do I go back and call the credit card company directly? What other steps can I take without using one of those consolidation companies?

National Debt Relief Group offers help with Unsecured Debts via Debt Relief and Debt Settlement programs by negotiating with your creditors to eliminate Credit Card Debt – visit www.nationalrelief.com

I have been searching for solutions to my credit card debt. I’ve looked at everything from negotiated settlement companies, debt consolidation companies that claim to be non-profit, etc. I came across Debtors Anonymous and was wondering if their methods are successful or will I get into even more problems following their program.

I would like to get both positive and negative feedback on Debtors Anonymous, so please let me know your experiences.

Or if anyone has any other suggestions let me know.

Thanks.

I have severe credit card debt, and would like to either consolidate or use a service to help me free up some money in the monthly budget. I am doing very well with paying them, never been late, always pay more than minimum, but I can not get a debt consolidation loan because my debt to income ratio is too high (even though I’m trying to consolidate that debt). Anyone ever used any service that truly helped them, or know a highly rated one? Also, I’m trying to avoid anything that will hurt my credit report, like bankruptcy… also, if you know of any lenders that would be willing to help someone in my situation, please let me know! Thank you!