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Is debt consolidation like filing bankruptcy? Does it ruin your credit? Does it cost anything out of pocket to start consolidating? Any good companies that you suggest?
I wanted to do credit card debt consolidation but I am skeptical if this is a good idea with the economy. I am very far behind on my credit card bills and the only reason I can’t afford them now is because the min payment has gone through the roof. The all together debt that I have is less than 2,000.
These 4 options seem to be my top chocies:
1. Consumer Credit Couseling
2. Debt Consolidation
3. Debt Settlement
4. Bankruptcy
1. Consumer Credit Couseling
2. Debt Consolidation
3. Debt Settlement
4. Bankruptcy
Please list any others in your answer if you think they are a better option.
Thank you
Why are the pros and cons of each option?
These companies that offers debt consolidation and credit management, do they really cut your credit card bills to 40%??
We are in debt and I don’t want to file bankruptcy. After all I created the debt so I should pay it, but I also do not want to keep paying the minimum amount due for the rest of my life. I’m thinking of trying credit counseling and debt consolidation. Does anyone know of a good company? I tried my local credit counseling center that is through the government and they were rude and inattentive. I am in the United States. Thanks for the advice.
I have several credit cards, many from the same institution. I’d like to combine all the ones from the same institution into one.
All the cards are paid off monthly – I am not carrying any debt.
Will this hurt my score?
I’m in NYC and don’t know how to go about choosing a company (one that’s approved by the federal gov’t) that will help me get my credit back on track.
I’m thinking of consolidating 3 credit cards totalling just under $15,000.
What can I expect? What’s the longest term/lowest payment I can get for this amount of debt? Can I add a Secured loan to this consolidation (citifinancial)?
What’s my best game plan?
What can I expect? What’s the longest term/lowest payment I can get for this amount of debt? Can I add a Secured loan to this consolidation (citifinancial)?
What’s my best game plan?
Anything else I need to know?
We are in debt and I don’t want to file bankruptcy. After all I created the debt so I should pay it, but I also do not want to keep paying the minimum amount due for the rest of my life. I’m thinking of trying credit counseling and debt consolidation. Does anyone know of a good company? I tried my local credit counseling center that is through the government and they were rude and inattentive. I am in the United States. Thanks for the advice.