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Technorati Tags: , , , , , ]]> Fri, 22 Feb 2008 01:25:07 GMT Debt Relief and Consolidation Alternative with Credit Solutions http://bestconsolidationstudentloan.com/credit-card-consolidation/debt-relief-and-consolidation-alternative.html more...



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Technorati Tags: , , , , , , , , ]]> Fri, 22 Feb 2008 01:25:07 GMT Debt Consolidation - Credit Card Consolidation - Credit Advisors http://bestconsolidationstudentloan.com/credit-card-consolidation/debt-consolidation-credit-card-consolidation.html more



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Technorati Tags: , , , , , , , ]]> Fri, 22 Feb 2008 01:25:07 GMT Credit Card Debt Consolidation Loan - A Single Advance To Repay ... - American Chronicle http://bestconsolidationstudentloan.com/credit-card-consolidation/credit-card-debt-consolidation-loan-a.html

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American Chronicle, CA - Feb 12, 2008
By Saurabh Jain A credit card debt consolidation loan will pay off your existing debits and transfer the money payable into one mortgage, with manageable ...
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American Chronicle, CA - Feb 12, 2008
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Technorati Tags: , , , , ]]> Thu, 14 Feb 2008 03:24:21 GMT Credit Card Debt Consolidation Help -Practical Ways To Manage Your ... - American Chronicle http://bestconsolidationstudentloan.com/credit-card-consolidation/credit-card-debt-consolidation-help-practical.html

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Technorati Tags: , , ]]> Tue, 12 Feb 2008 02:17:01 GMT Open Question: What is the difference between debt consolidation & debt counseling & anything else of ths sort & whch is best http://bestconsolidationstudentloan.com/credit-card-consolidation/is-difference-between-debt-consolidation.html

Open Question: What is the difference between debt consolidation & debt counseling & anything else of ths sort & whch is best


Starting off w/Christmas gifts one year, then having to move & needing money to do that & money to buy things needed, then buying things I needed for my & my mother's health, etc...is how it started & has since escalated. I started getting credit card & at first, payments weren't so bad. I started buying groceries w/the CC's, when we were low on money & now it's all crept up on me. "Introductory offers" are now expiring & the "no payment for 90 days" offers are up. So now my payments are doubling! I thought my income tax could help, but I discovered my job had been taking out the wrong # of exemptions on me ALL year, so I'm not getting but a couple hundred dollars back (I had 2 chng jobs, making less money, never had a problem b4 & honestly, never looked @ check stubs 2 notice earlier). So I chngd my W4, nw my chks r gng 2 be even LESS! HELP! I need 2 do something. What route is BEST? & how can I find the Best help, for which ever option is best? Thanks!

Technorati Tags: , , , , , , , , , , , , , , , , ]]> Mon, 28 Jan 2008 05:08:28 GMT Open Question: should i wait to file bankruptcy until after i am sued and a judgement is placed against me? http://bestconsolidationstudentloan.com/credit-card-consolidation/i-wait-to-file-bankruptcy-until-after-i.html

Open Question: Who is E Global Card Services?


Where is this company based? I've been trying to research them and all that comes up is their hastily slapped together website with no accreditations of any kind. Has anyone else been contacted by them and conned into signing a contract? They claim to be a debt consolidation company,

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.

Open 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.

Technorati Tags: , , , , , , , , , , , , , ]]> Mon, 28 Jan 2008 05:08:28 GMT Voting Question: I need help (questions about) getting out of DEBT! Please help :(? http://bestconsolidationstudentloan.com/credit-card-consolidation/voting-i-need-help-questions-about-getting.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: 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: , , , , , , , , , , , ]]> Mon, 28 Jan 2008 05:08:28 GMT Voting Question: use a loan for debt consolidation? http://bestconsolidationstudentloan.com/credit-card-consolidation/voting-use-a-loan-debt-consolidation.html more...



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?

Voting Question: use a loan for debt consolidation?


yes i recently got a 1,000 dollar loan from prosper.com.i was gonna use it to pay something else but at the same time i got the loan i got my income tax refund.what i am asking is should i use that loan to pay off my two credit cards or use the loan money to repay the loan in full?which would stengthen my credit?

Technorati Tags: , , , , , , , ]]> Mon, 28 Jan 2008 05:08:28 GMT Voting Question: Which should i do first? Divorce or bankruptcy? http://bestconsolidationstudentloan.com/credit-card-consolidation/voting-which-i-do-first-divorce-or-bankruptcy.html

Resolved Question: Ok, once and for all...credit card debt. Is debt consolidation or credit counseling the way to go?


I have about $15,000 worth of credit card debt(on more than 1 card). I don't use the cards anymore. I'm paying what I can but feel like I'm just going around in cirlces. I haven't defaulted on any of them and I'm not behind in payments. What's the best thing to do?

Voting Question: Debt Consolidation?


Does anyone know the best way to go about getting debt consolidation advice? I don't qualify for any sort of loan, but I really need help with my debt, I just bought a house and due to fix ups on it my credit cards are maxed out and I can't seem to get them to go down. Does anyone have any advice? Or ideas on how to fix up an old house without sucking your wallet dry?

Voting Question: Which should i do first? Divorce or bankruptcy?


My husband and i have been separated for nearly 3 years, he ran my credit cards up terribly and i cannot even make the minimums.. i can't afford the consolidations you hear on tv. he ruined my credit and he should pay half, but which should i do first bankruptcy or divorce?

Technorati Tags: , , , , , , , ]]> Mon, 28 Jan 2008 05:08:28 GMT Resolved Question: Strategy to call credit card companies to lower my interest rates.? http://bestconsolidationstudentloan.com/credit-card-consolidation/resolved-strategy-to-call-credit-card-companies.html

Resolved Question: Can you consolidate credit debt more than once?


In the past, I have used a credit consolidation group to get rid of credit debt. Which worked... until I went and got a few more credit cards. Stupid, I know - BELIEVE me, I know. However, I know I am now really ready to end my cc use for good... I'm in a much better place financially and I just need to get rid of the debt so I can get on with my life. Will a consolidation group let me do this again? And, if so, would it look permanently bad on my credit that I did this twice? Or are there other things about doing this again that a consolidation group would likely not tell me?
Please no lectures about credit cards - I realize all too well what I have gotten myself into. I just need the facts from someone who really knows what they are talking about. Thank you. :)

Resolved Question: Strategy to call credit card companies to lower my interest rates.?


I owe $28k on credit card debt with 5 different banks. I can pay $2000 per month on my credit cards but nothing seems to happen. It is all so slow. I am current with payments and I already cut up all my cc's

I dont want to close the accounts cause instead I want to have a strategy to call those 1800 numbers and follow an effective step by step process to ensure that they lower my rates or eliminate the apr...is the latter even possible?
Either that or learn how to do the debt consolidation myself. I dont care about the credit score as long as I can get out of debt. CASH is now the only way for me to go.

Technorati Tags: , , , , , , , , , , ]]> Mon, 28 Jan 2008 05:08:28 GMT Voting Question: helpme2, credit card consolidation? http://bestconsolidationstudentloan.com/credit-card-consolidation/voting-helpme2-credit-card-consolidation.html
We have very good credit, never delinquent, never defaulted and good jobs. We're just over-extended and I'd like to consolidate the credit cards and smaller bills for a few reasons, including:

1. one bill vs many, easier to manage
2. a true END date, unlike a credit card
3. fixed payment

I've tried doing searches but nothing comes up that looks legit to me and I've heard the horror stories. A home equity loan is not an option. Any suggestions would be welcome.

Thanks in advance!

Resolved Question: I have a total of $10,000 worth of credit card debt. Should I pay them off or consolidate?


I have a total of $10,000 of credit card debt. I will be paying off one card with my income tax check next month(-$3000), so it will be down to $7,000. Hopefully that will also help my credit score. I also pay over the minimum balance each payment. I also have my "toy" that is worth around $11,000 ( I consider it an asset) if I was to ever need extra money I could sell it and pay off everything. I am worried about debt consolidation b/c I will no long have access to my credit cards ($4000 worth of credit I have available) in case of emergency. What should I do?

Resolved Question: Debt help?


So I added up my total debt today and its about $9,500. 6,000 of it credit cards. Im 24 and wanting to finally start my life - get married, move out of my parents, build up a savings. And I want to consolidate my debt. Would you recommend going through a consolidation company such as CCCS, or going thru my bank for a loan to pay it all off so Im making one payment a month to the bank? (Im not sure I'll be able to get a loan by myself and Im NOT asking my parents, its not an option) Or any other solutions/helpful hints? Thanks!

Voting Question: helpme2, credit card consolidation?



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