Credit Card Debt Consolidation

debt consolidation?

17. January 2009

What is the best company to go through for debt reduction/consolidation? I have about 6 credit cards and they are all at their max, and I am only 21! Now before you go judging me and telling me not to spend my money on shoes, this was all for school, basic living expenses, and to [...]

Consolidating Credit Card Debt?

16. January 2009

3 Comments

I am interested in consolidating my credit card debt. Would it be best to use another low/no interest credit card or a personal loan? Also, would it be best, once these cards are empty, to cut them up and/or cancel them? What would be best for my FICO score?

What is the best budgeting or debt reduction tool?

14. January 2009

4 Comments

Has anybody had experience with an at home tool that has really helped? I already have my credit cards in a debt consolidation program, but I need to figure out a successful home budget that is easy to stick to – you know, just like a diet ha ha

Credit Card Debt – Reduction Agencies a good idea?

13. January 2009

9 Comments

My husband and I have tons of credit card debt – ,000. One of the cards is connected to our debit account and if we have a negative balance in our debit account it will transfer funds from the credit card. It has become a viscus circle. We cannot afford to make payments on our [...]

What’s better for consolidating credit card debt?

13. January 2009

6 Comments

Getting a personal loan from a bank or going through one of the companies that offer to cut your bills by a percentage and help you pay it off within a couple years. If I go through the bank, I can pay it off at once, right? However, will the interest (which I don't think [...]

Can anyone explain to me how those debt-reduction companies work?

11. January 2009

9 Comments

I'm about 10,000 dollars in debt, and despite trying, I am unable to crawl out of this hole. I do make more than my required payment on time monthly, only have debt on three credit cards, but my debt stays the same. I was thinking of one of those debt consolidation companies I see advertised [...]

Credit Card Debt Reduction Plans?

10. January 2009

6 Comments

I unfortunately am one of many who has too much credit card debt and due to some past glitches, my interest rates are high. I pay my bills and try to pay as much as I can but can't seem to put a dent in the load. I keep hearing on radio and TV about [...]