Credit Card Debt Consolidation

Should I consolidate credit card debt into my HELOC?

25. May 2009

I currently have about 00 a credit card with a 15K limit and 00 on a HELOC with a 15K limit. The interest rate on the HELOC is 2 points lower than the credit card (8.99%). I am considering consolidating the debt onto the HELOC (going unsecured to secured) to benefit from the lower interest [...]

Debt reduction structure?

23. May 2009

2 Comments

I am looking for a program or a method to pay off my debt in the most cost/benefit way. I need a program that can calculate both principle and interest payments, along with compounding interest. I have debt on a 9.99% credit card 5.75% auto loan 4.5% student loan Are any credit options available to [...]

Who can I trust to help me consolidate credit card debt?

22. May 2009

2 Comments

My fiancee is in the process of being garnished due to a past credit card debt and the company charged an enormous amount for interest and so now he owes nearly 13,000. His credit is shot so loans are not an option. He was told by a friend that there are consolidation companies out there [...]

Credit Card Companies are Killing Me!?

20. May 2009

15 Comments

I used two credit cards which have now decided because I was late on one, that they both would increase my rate to 30%. My balances are extremely high, and I do not know what to do. I have only charged a total of maybe ,000 but because of the interest I now owe over [...]

Credit card debt, consolidating to lower interest rate credit card?

19. May 2009

5 Comments

Ok, I have 2 credit cards. The interest rate on both of them is 18.5%. I have the opportunity of changing one of them to a credit card with an interest rate of 11.5%. The credit card that would be at 11.5% would be the big one(over 00), and my other credit card has a [...]

best credit card consilidation companies? 30k debt-no real estate, paying on time-difficult though.?

16. May 2009

3 Comments

or should I just call my cards and tell them I'm about to file BK to get reductions? Read more here

Should I refinance Home Equity loan to consolidate credit card debt (I am buying a new house in 120 days)?

16. May 2009

2 Comments

Consider this: 1. I have k in credit card debt. 2. I have a 1st mortgage for 0k (4%) and a Home Equity line of 0k (at prime rate) with no additional credit available. 3. I am buying another house at the end of April. Would I be better off refinancing my Home Equity and [...]