best consolidation student loan http://bestconsolidationstudentloan.com/card-debt-consolidation/ about best consolidation student loan Mon, 03 Mar 2008 06:06:47 GMT Hey you! Strangulated with Debts? Check out, Debt consolidation ... - Best Syndication http://bestconsolidationstudentloan.com/card-debt-consolidation/hey-you-strangulated-with-debts-check.html
Mortgage time bomb is ticking
NEWS.com.au, Australia - 9 hours ago
Hidden debt consolidation is one of the major reasons behind ballooning average home loans and mortgage stress, as people attempt to `tidy up' their debts ...
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Hey you! Strangulated with Debts? Check out, Debt consolidation ... - Best Syndication



Best Syndication
Hey you! Strangulated with Debts? Check out, Debt consolidation ...
Best Syndication, CA - 9 hours ago
The debt consolidation is also advisable when a person is paying the “credit card debt”. In this case the interest rates are higher even from the unsecured ...
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Technorati Tags: , , , , , , , , , , , ]]> Mon, 03 Mar 2008 06:06:47 GMT What's the best way to clear your debts? - Sunshine Coast Daily http://bestconsolidationstudentloan.com/card-debt-consolidation/post-6300074.html
Credit Card Debt Consolidation Counseling – A Safe Way To Combat ...
American Chronicle, CA - Feb 22, 2008
Credit card debt consolidation counseling is an efficient way to combat monetary troubles. It assists you in repaying your arrears in reasonable monthly ...
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What's the best way to clear your debts? - Sunshine Coast Daily



What's the best way to clear your debts?
Sunshine Coast Daily, Australia - 8 hours ago
Debt consolidation involves combining all your outstanding high-interest debts into one lower-interest loan. Usually this means folding them into your ...
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Technorati Tags: , , , , , , , , , , ]]> Mon, 03 Mar 2008 06:06:47 GMT Credit Card Debt Management – Disentangle From A Financial Mess - American Chronicle http://bestconsolidationstudentloan.com/card-debt-consolidation/post-6300075.html
Why You Need A Credit Card Consolidation Program
American Chronicle, CA - Feb 22, 2008
Do I need a credit card debt consolidation program? Perhaps, this is the question you are asking yourself. In addition, perhaps this is because your pending ...
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Credit Card Debt Management – Disentangle From A Financial Mess - American Chronicle



Credit Card Debt Management – Disentangle From A Financial Mess
American Chronicle, CA - Feb 22, 2008
The most common and popular type is debt consolidation. In this particular option, you are granted a credit card debt consolidation loan for paying off the ...
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Technorati Tags: , , , , , , , , , , ]]> Mon, 03 Mar 2008 06:06:47 GMT Debit Cards in Use to Reach 5.2 Billion By 2012, According to New ... - PR Web (press release) http://bestconsolidationstudentloan.com/card-debt-consolidation/debit-cards-in-use-to-reach-5.2-billion.html
Credit Card Debt Relief Grant Is Really A Lifesaver
American Chronicle, CA - Feb 22, 2008
The basic aim of the counselors is to make people understand all the possible ways to overcome the problem of debt consolidation. ...
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Debit Cards in Use to Reach 5.2 Billion By 2012, According to New ... - PR Web (press release)



Debit Cards in Use to Reach 5.2 Billion By 2012, According to New ...
PR Web (press release), WA - 1 hour ago
Growing consumer preference for debit card is mainly attributed to its convenient usage, faster transaction pace, and absence of interest debt as found in ...
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Technorati Tags: , , , , , , , , , , , ]]> Mon, 03 Mar 2008 06:06:47 GMT Credit Card Debt Consolidation Services - Simple Ways To Repay ... - American Chronicle http://bestconsolidationstudentloan.com/card-debt-consolidation/credit-card-debt-consolidation-services.html
Consumer Credit Card Debt Consolidation - A New Era Begins
American Chronicle, CA - Feb 14, 2008
By Saurabh Jain Consumer credit card debt consolidation is the key to unlock and solve the problems arising when one is struggling to make monthly ...
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Credit Card Debt Consolidation Services - Simple Ways To Repay ... - American Chronicle



Credit Card Debt Consolidation Services - Simple Ways To Repay ...
American Chronicle, CA - Feb 15, 2008
There are a number of well-established credit card debt consolidation companies that offer affordable solutions to you at minimal costs.
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Technorati Tags: , , ]]> Thu, 14 Feb 2008 07:18:53 GMT Open Question: Where's a good company to get a debt consolidation loan in Illinois? http://bestconsolidationstudentloan.com/card-debt-consolidation/where-s-a-good-company-to-get-a-debt-consolidation.html

Open Question: Who is the best option for debt consolidation?


I have a friend with I believe just over $80K in business/personal (his personal cards are used for business) credit card debt and looking for a solution to help lower the monthly strain on the business. What would be the best solution in this case? He's already looked at some debt consoliation comapnies and feels as though he has no way of knowing for sure if they would work for him. Is this a situation where something other than debt consolidation would be better?

He's looked into the following debt consoliation companies:
http://www.commercialdebtcounseling.com/
http://www.active-debt.com/
http://www.amerassist.com/

Appreciate any advice that can be offered. Thank you.

Open Question: Where's a good company to get a debt consolidation loan in Illinois?


My husband and I are @$20-25,000 in debt w/out including all our monthly biils/groceries etc. This amount doesn't include our debt we're paying off for both our cars. We've already called the companies, and have gotten as many as possible to lower the apr's; we've transferred balances, and are doing automatic payments every month for several credit cards--but really need to get with a reputable place to make one monthly payment (even if we have to pay company interest).

Please help!

Technorati Tags: , , , , , , , , , , ]]> Tue, 12 Feb 2008 04:01:38 GMT Open Question: Im looking for a site that offers free debt consolidations without loans & doesnt want personal info upfront? http://bestconsolidationstudentloan.com/card-debt-consolidation/im-looking-a-site-that-offers-free-debt.html

Open Question: Im looking for a site that offers free debt consolidations without loans & doesnt want personal info upfront?


I would like to consolidate debt loans for my credit card and unsecured loans but every site that i go to wants really personal info upfront like my Social Security Number and address, and none seem very trust worthy. Also i am trying to consolidate my bills without a loan or maybe some other option, i have heard some sites that are not trying to sell you a loan really will get you out of debt with debt management programs and waiveing fees, but most sites only offer you a loan to pay off debt and then you pay back the loan, and that doesnt make sence! I dont want to go into debt trying to get out. If anyone has any responses i would appreciate them or if you have any info on free debt consolidations that are really free and not giving you the run-around, it would be helpful

Technorati Tags: , , , , , , , , , , , , , , , , , ]]> Tue, 12 Feb 2008 04:01:38 GMT Open Question: I have good credit but a lot of debt, so I get denied for loans. How do I get approved for a consol. loan? http://bestconsolidationstudentloan.com/card-debt-consolidation/i-have-good-credit-but-a-lot-of-debt-so.html

Open Question: Debt consolidation?


Does anyone know of any good nonprofit debt consolidation companies? I have 2 credit cards and a loan and I need to reduce the payments and interest? Thanks to all in advance.
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Open Question: I have good credit but a lot of debt, so I get denied for loans. How do I get approved for a consol. loan?


I have a lot of debt (credit cards, student loan, mortgage) but a decent credit score (about 690). I have never missed a payment but i cannot get approved for a consolidation loan because I have "excessive financial obligations". We haven't owned our house for very long so there is not much equity in it yet. We are paying out the nose on our cards and I just want to lower the payments so we are not living paycheck to paycheck. Does anyone have a suggestion?

Technorati Tags: , , , , , , , , , , , , , , , , , , ]]> Tue, 12 Feb 2008 04:01:38 GMT Resolved Question: Does using a debt consolidation agency to pay off credit card debt effect your credit score in a negative way? http://bestconsolidationstudentloan.com/card-debt-consolidation/resolved-does-using-a-debt-consolidation.html
Combined we have about $65,000 in debt and I really don't want to file for bankruptcy as that will only hurt us more before we can make it better. My goal is to really take care of this ourselves as best as we can.

I have a spreadsheet with everything outlined as far as what we owe. Everything at this point is in collections and right now we have no new credit cards or loans to hurt us more. We have no money in savings but I am working on a new budget that really cuts back on a lot of the things that we have now so that we can get to a place where we have a savings.

I have written a few letters that were sample letters sent to me by a debt consolidation company and she said that is what they use when the communicate with the creditors but it has not owrked out well at all for me thus far. I know that it is not advisable to call creditors to try to work things out and so far I have had a few of my letters go unanswered. How much information should be shared with them. Should they be notified that other debts exist? Should I threaten bankruptcy? If there was a big medical diagnosis that was part of the problem and now part of the debt should that be revealed? Should unemployment or disability be information that you share with them? Does any of that information help to sway them in one direction or the other? I am thinking that I will try to rewrite the letters that were sent to me but want to know how much I should personalize them. If anyone has any information on books to check out or websites to check out that would have more information on cleaning up debt and credit scores or even better yet settlements and what works and what doesn't that would be greatly appreciated.

We are in a spot where by the end of the year we will need to be buying a new car and then as soon as possible after I am done with school we would like to be able to afford to buy our own place but it wont happen the way our credit scores are right now. All of the debts have been accrued within the last 4 years thanks to layoffs and medical issues. I appreciate the comment about statutes of limitations and I have looked into that and it is a great suggestion. For the most part I know that what we have is what we have. If I were to call and talk to them would I then also follow up with something in writing to get their signature agreeing to what we had discussed on the phone then? it isn't that we want to buy a new car but we will be needing a new car and I dont mean brand new but new to us that will run. I am not looking for smart ass comments but more comments from people who have perhaps been in similar situations and have some helpful advice to offer. If that isn't you then please just skip my question.

Voting Question: How do i get my credit card company to cancel my debt?


i owe $16000 on my 4 credit cards all with chase and cant even make my minimum payment on any card. i lost my job and my wife is 2 months pregnant and i need help. i called a credit consolidation place, but they just want to add more and more fees. please help me i need real advise. thank you and god bless

Resolved Question: Anyone paying 22% interest on a bill consolidation loan with Bank of America?


2 years ago I decided to take a loan (wanted to combine credit cards take a loan to pay off the debt)offer that I received in the mail from Bank of America. I assumed with my excellent credit I would get a great interest rate however as careful as I was the rate turned out to be 22% which is extremely high with my excellent credit. I took a $25,000 loan which I pay 592.00 a month (I always pay more) that I now learned I have to pay for 96 months which totals to be $56,832, I am so upset and not sure what I can do to get rid of this huge debt, any advise for this debt that is worse now than had I simply paid the credit cards off?? Thank you

Voting Question: Does using a debt consolidation agency to pay off credit card debt affect your credit score?



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Resolved Question: Does using a debt consolidation agency to pay off credit card debt effect your credit score in a negative way?



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Technorati Tags: , , , , , , , , , , , , , , , , , , ]]> Tue, 12 Feb 2008 04:01:38 GMT Resolved Question: Debt consolidation... Whats best for me? http://bestconsolidationstudentloan.com/card-debt-consolidation/resolved-debt-consolidation-whats-best.html

Resolved Question: Debt consolidation... Whats best for me?


I have about $4400 of debt in collections. 9 of my 11 collections accounts are medical. The other 2 ($716) accounts are sprint and brighthouse. My wife and I are trying to build my credit up so that we will be able to buy a house in the near future. As of right now I dont have any "good" credit. The only things I have in my credit file are collections. I do not currently have anything that needs to be paid regularly(car, credit card, mortgage, etc.). I dont have the Money to pay off all of these people, but i want to.

I have heard that a debt consolidation loan would pay off all of these collection accounts and I would only have to pay the loan back, and at the same time, instantly clear up all the negative account information on my credit file.

Id like to know what to look out for when looking for this type of loan. I would also like to hear any success stories that you have with this type of loan.

Thanks for your time!

Technorati Tags: , , , , , , , ]]> Tue, 12 Feb 2008 04:01:38 GMT Resolved Question: College debt has ruined my life, and I'm mad at myself for leting it happen.? http://bestconsolidationstudentloan.com/card-debt-consolidation/resolved-college-debt-has-ruined-my-life.html
Here’s where I am at:
1 Loan for $50,000 (Monthly Payments of 476/mo); 1 Loan for $21620 (Monthly Payments of 128); 1 Loan for $7800 (Monthly Payments of 50), and Credit Card Debt of about $3000. So I have loans totaling $79420.

I also have a car payment, cell phone, however I pay no rent, but my grandparents will soon be asking for that.

I just got a new job that pays me $35000 per year. So if I don’t put anything into savings I can pay off my loans in about 4 years, however when you begin to figure in my other expenses it’s more like 7 years.

Consolidation is not really an option, because the $50000 is an “Education Alternative Loan”, it’s not a federal loan. The $7800 loan is a no interest loan. And the $21620 is a direct federal loan.

-My dilemma is that, I have a girlfriend that I want to begin a life with. I wish to get an apartment with her maybe in the next year or so. And I want to marry her.

Situation 1- Do I put no money into savings and just tackle the loans head on? I will have no money for retirement or a down payment on a house.

Situation 2- I put some money aside into savings, and it will take longer to pay off?

Situation 3- Declare bankruptcy if I can?

I apologize for this taking so long, but I don’t know what to do. Thank you for your help.

Technorati Tags: , , , , , , , , , , , , , ]]> Tue, 12 Feb 2008 04:01:38 GMT Resolved Question: Credit card question...? http://bestconsolidationstudentloan.com/card-debt-consolidation/resolved-credit-card-question.html.html

Resolved Question: Does anyone know a good consolidation company for consolidating credit card debt?



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Resolved Question: Is debt consolidation a good idea under my circumstances?


After my parents divorced, at 18 I was left with paying for thing I didn't pay before. Slapped with medical bills and living expenses, I turned to credit cards. I had 3 credit cards. my debt is now around 2,000. i tried working out payment plans with my creditors, but with three of them, it's very difficult. i am 20 years old, full time student, making 5.85/hr. i am looking for a new job so i can up the payments that i have arranged with my consolidated debt. but i just can't afford to bring all of the cards' balances' up to date. so i figured this was the best solution for me. even if i payed all of them off now (which is impossible) my credit would still be screwed. i realize that good credit is important, but i am more concerned about being able to pay to go to the doctor, or having gas for my car.

Resolved Question: Credit card question...?


I was considering going to one of those consolidation places to help me lower my credit card debt. But people keep telling me that it looks bad on your credit report.
I would like to know what it is out there to help with credit card debt and still be able to maintain a decent credit score?

Thanks in advance
Angi

Technorati Tags: , , , , , ]]> Tue, 12 Feb 2008 04:01:38 GMT Resolved Question: Is there somewhere i can get a debt consolidation loan online? High interest is fine.? http://bestconsolidationstudentloan.com/card-debt-consolidation/resolved-is-somewhere-i-can-get-a-debt-consolidation.html
My advice to anyone with credit card debt getting unsolicited calls from DCC's is to contact the National Foundation for Credit Counseling. Ignore the calls from these types of people and DO NOT give them any personal info. I went thru their intake and they have my SSN and credit card #. I have yet to see what the fallout will be. Has anyone else had a negative experience with this company? I want details.

Resolved Question: should i wait to file bankruptcy until after i am sued and a judgement is placed against me?


i have a credit card that i got behind on, now its been 2 years and a lawyer has contacted me t find out if i want to settle out of court or get sued. i tried debt consolidation but can't afford the payments with them and they recommended i file chapter 7.

Resolved Question: Is there somewhere i can get a debt consolidation loan online? High interest is fine.?


I have 5 credit cards, a loan, medical bills, and a dental bill, all adding up to around $7,500 dollars. Which isn't too much but obviously my life has become trying to make min. payments to pay these bills. Before some really bad turn of events happened, i paid all my bills on time and saved money, and was very responsible. I don't need money mgmnt. counseling. I've had my car repo'd, ( it was on my grandparents credit), so i could afford these bills. I don't intend on having a car until i pay them, i don't buy things i don't need, i don't waste money, AT ALL. But nothings helping, i have no family to help me, no friends with money, my family is the reason i am in this mess. I live alone , pay rent ,and utilities, small town, no hope for a roommate. I DO understand the cons of a high interest loan. I need it to save my credit. 2 minimum payments are seriously past due, they are about to write me off, horribly scarring my credit for years!

Technorati Tags: , , , , , , , , , , , , , ]]> Tue, 12 Feb 2008 04:01:38 GMT Voting Question: How do you tell or know if a debt consolidation company is legitimate? http://bestconsolidationstudentloan.com/card-debt-consolidation/voting-how-do-you-tell-or-know-if-a-debt.html
My debt is not large .. its only at 3500.00 but I am a stay at home mom and on a tight budget. I want to get a consolidation loan however with out a paycheck coming in, in my name .. no one will give me a loan. Any suggestions???

After paying my bills (rent, lights, cable, car loan, husbands cc and saving some "for a rainy day") I have a spare of 200.00 every month ... and I also sell on ebay here and there.

I am getting collection calls .. but everyone wants it in full or a higher amount that I could afford monthly and is not willing to help me. My husband is a police officer that shifts change every month .. one month he works mornings, next month he works afternoons, and the next month he works midnight .. so me getting a part time job is out of the question :(

And day care where I live is beyond control .. my whole pay check would go to them. Can't sell the car .. my husband use it for work .. here where I live you use your own cars for police work. Don't have any more credit cards ... I can't gete approve for NOTHING at all :*(

Voting Question: How do you tell or know if a debt consolidation company is legitimate?


I have been to consumer credit counseling and they advised me to file for bankruptcy. I could lose my job if I do this. Several debt companies have been contacting me saying they can help me (then why couldn't the CCCS?). Anyway, I have told the credit card companies that I've been advised to file for bankruptcy, but NONE will work with me. Don't understand why I have to go through a third party and pay them. I am just afraid of getting ripped off by one of these places. There were some that were ruining people and these people had wished they had filed for bankruptcy instead of using the debt company.

Technorati Tags: , , , , , , , , , , ]]> Tue, 12 Feb 2008 04:01:38 GMT Resolved Question: I need help (questions about) getting out of DEBT! Please help :(? http://bestconsolidationstudentloan.com/card-debt-consolidation/resolved-i-need-help-questions-about-getting.html

Resolved Question: I need help (questions about) getting out of DEBT! Please help :(?


I am now currently 22 1/2 years of age .. Been working since 15 years old .. At 18 I got crazy and got 3 department store credit cards which we all know is the WORST!! At the time I didn't think credit was important .. I got a car and paid that instead of my credit cards .. now I'm stuck!!

My debt is not large .. its only at 3500.00 but I am a stay at home mom and on a tight budget. I want to get a consolidation loan however with out a paycheck coming in, in my name .. no one will give me a loan. Any suggestions???

After paying my bills (rent, lights, cable, car loan, husbands cc and saving some "for a rainy day") I have a spare of 200.00 every month ... and I also sell on ebay here and there.

I am getting collection calls .. but everyone wants it in full or a higher amount that I could afford monthly and is not willing to help me. My husband is a police officer that shifts change every month .. one month he works mornings, next month he works afternoons, and the next month he works midnight .. so me getting a part time job is out of the question :(

And day care where I live is beyond control .. my whole pay check would go to them. Can't sell the car .. my husband use it for work .. here where I live you use your own cars for police work. Don't have any more credit cards ... I can't gete approve for NOTHING at all :*(

Technorati Tags: , , , , , , , , , , , ]]> Tue, 12 Feb 2008 04:01:38 GMT Voting Question: Debt Payoff? http://bestconsolidationstudentloan.com/card-debt-consolidation/voting-debt-payoff.html.html

Resolved Question: credit card debt?


Has any one ever used a consolidation company for credit card debt? Dose it hurt your credit? How does it work anyone know?
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Voting Question: Debt Payoff?


My fiance and I have about $50000 in combined debt. The debt consists of credit card debt, medical bills, and simial accounts. We currently live paycheck to paycheck. How can we go about paying off the debts? I have a spreadsheet that I have created listing the debts, interest rates, and what not. I am not sure if it is a good thing or a bad thing that everything is between 3 and 4 years old and in collections. We would like to have the debt payed off before we get married and would like to be able to look into purchasing some property in the Spring of next year. Any suggestions would be greatly appreciated. We do not want to have to turn to any kind fof debt consolidation, we would like to do it ourselves for so many reasons. I guess what I am looking for is how best to contact the ceditors. Is it best to talk to them over the phone or in writing? How like likely is it that they would be willing to negotiatiate with me and come to some sort of settlement amount? Is there somewhere on line that I can find sample letters that have worked for others to settle debts?

Technorati Tags: , , , , ]]> Tue, 12 Feb 2008 04:01:38 GMT