Have you ever been through Debt Management with Take Charge America?

How much do they charge? All they’ll tell me is that its different in every state. I live in Maine. And I’m wondering if its even worth it, if my interest rates are reduced on all my credit cards, how is that helping me if I have to turn around and pay them a monthly [...]

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Is it possible to take out a personal loan for $25,000 with a cosigner?

We are trying to consolidate some debt from business transactions which occurred 16 months ago. We’ve been paying credit cards on time with more than the minimum payment since then. We’ve called to get interest rates reduced but some won’t budge on the rates. Our credit score is in the 700s but I just want [...]

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Is transferring the balance of my credit card to a 0% APR card going to hurt my credit?

I have tried asking this in different ways, but I think it would be best if I just lay it all out there, and hope that it helps. As of now, the balance on my credit card is ,077.85. The limit on this card is ,300. I do not plan on using the card any [...]

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My friend need to refinance her home to lower her payments and interest rates/ bad credit/beacon score 400?

my friend have had several companies to call to help that said they can help with low becon scores and bad credit (said they had over 90-100 companies to try) still could not get any help. She also needs a few repairs done on her home please help her there has got to be a [...]

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Outta control debt. Can anyone help?

With kids (4) a dog, house payment, car payments and creditcards- who can ever get ahead? So far, i have managed to make all payments but it is getting harder to do. I am in school and do not qualify for any financial aid so my credit cards were helping to get thorough. Now the [...]

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Is it too good to be true that the likes of Citibank et al with reduce my interest rates if I ask?

Just went through my credit cards. Our CC debt is through the roof. Our income barely covers (but DOES cover) or minimum payments. Our lowest interest rate is 15%. I see ads on tv that the CC companies “want to help.” Uh huh. Really? Is it true that if I call and ask them to [...]

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Help! with a debt situation?

I owe about 7500 $ I am pretty young I am 21. This is all credit card bills. I need to figure out a way to get rid of this debt and not let it spiral out more! Can you suggest ways that I can reduce this debt faster or with lower interest rates???? I [...]

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