Debt Consolidation
My credit is not that good its actually poor. I am only $20,000 in debt but would like to consolidate both my credit cards and car payment. I would like to have a reputable company and one that creditable also. Thank you
Debt Consolidation
ok well my hubby and i have gotten ourselves a few months be hind in our car payment and they are threatening us.and have like 2 credit cards that have like 500 limit is debt consolidation right for us or not.. anybody know?
we rent our house..
personal loan
I am a medical resident with one year to graduate. I have no student loans and no credit cards. My only loan is a car loan with one payment left and I had never missed a payment. I am trying to get a three thousand personal loan and just can’t! I need it badly for med lisence and I am frustrated and I’m starting to feel helpless and depressed. Could you please help me?
Debt Consolidation
I am getting pretty deep into debt slowly. I have a charged off car payment that I have to pay off, a credit card bill, an old cell phone bill, and a student loan. The student loan is actually being defered right now but everything else is outstanding. It probably totals $8000 mainly because of the car payment.

Most of these bills are old from when I was a few years younger. How do debt consolidation companies work?

Debt Consolidation
I owe more than $15K in credit card debt with mostly high interest. This doesn’t even include my student loan payment, car payment and all of my living expenses. I’m living paycheck to paycheck trying to pay them down and it’s moving so slowly – almost barely at all! I have really good credit (still have available credit on the cards and pay more than minimum well before the due date) but I let myself get into way more debt than I can pay back. Should I consolidate? If I do, I’m assuming the consolidation company will pay off my balances at an agreed upon “settlement” – which would hurt my credit, right?
Debt Consolidation
I have come to the point where I need to research debt consolidation options?

I have 7-8,000 in Credit Card debt over 5 credit cards, and need to consolidate them. What have your experiences been like with debt consolidation? Any recommendations on good companies to go with and which ones to avoid?

Also, I have a car payment, at about a $10,000 balance, is it possible to consolidate that as well?

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Debt Consolidation
I think this is the only way for me to improve my credit score. I have a personal loan, credit card, house, car, and regular bills each month. I am behind a month on both my house and car due to being laid off, but I am now back to work.
Debt Consolidation
I have over $4500 of credit card debt spread out among six different credit institutions as well as a car payment and then the obvious monthly utilities, rent and such. I cannot meet the minimums most months and am falling behind on some. My credit score isnt good enough to get one card to lower my payments. Should I consolidate my debt?
Does debt consolidation ruin your redit score? Assuming that my score is being tarnished as we speak simply because I cannot pay the minimums on my credit cards anyway, is it worse to have the debt consolidated? I think that I may be able pay off most of the debt in 1-2 years maybe less.