Debt Consolidation-Tips On Debt Consolidation Loans, Credit Card Debt Consolidation, And Non Profit Debt Consolidation

Jones asked:


I just recently lost my job and I am living with my parents. I want to combine two credit cards, student loan and two car payments.

Is there a way that I can apply and get approved for consolidating my debt if I have nothing in my possession for collateral?

Moses Bedsole

Rook asked:


Does a consolidation loan look bad on credit? I need to get my life together. I am under mountains of debt, with no hope of getting out of it without some kind of loan. I could not menatlly handle a bankruptcy. I need advice please!

Arianna Stepleton

litl_sweetz asked:


Ive been looking into debt consolidation and, is there a difference between debt consolidation, and a debt consolidation loan? and if so what?

Doreen Cunningham

Steffee asked:


i am 8,000 in debt and i cant get out of it, what should i do?

Forest Adelizzi

missjones2you asked:


Being a recent grad and not in my prefered area of employment is rough, as it is for many recent grads. My dilemma is my finances. My poor financial decisions (i.e. CREDIT CARD DEBT) in college has caught up with me and it is racking my brain. I have considered debt consolidation because of the seemingly positive benefits of reducing my payments and paying just one bill…BUT is it too good to be true? It seems that there are quite a few debt consolidation businesses popping up and that is cause enough to sit up and really ask what’s really going on. I mean, is it really good for my credit (as well as my mental well-being)? Am I better off just toughin it out or should I take the leap and just take a chance with a reputable debt consolidation company? What’s a poor girl to do?

Justina Tegner

blake h asked:


I have about $23,000 total in credit card debt. I have great credit just too much. Total it is probably 6 different credit cards. I am interested in debt consolidation thinking that it will help me pay these off faster. I have canceled all of my credit cards and will never open another one. Is there any other option or is debt consolidation my best option? Thanks in advance for any help.

Victor

The C asked:


What company can I trust?

Chris Castellion

patti_jim_reynolds asked:


My husband and I are WAY in debt and I have been trying to talk him into doing debt consolidation cause at the rate we are going, we won’t be able to buy a house until our kids are all out of the house!! The thing is, he doesn’t believe they actually help all that much and that we would be better off paying it off ourselves. Is it true that they can work with credit card companies to reduce or even remove APR from the debt amount and can give you an estimate of when you can be debt free? We have four credit cards that equal about $25,000 and we’ve got to the point where we are making payments just so we can get food and gas. Any debt consolidation advice is greatly appreciated!

Fredric Gerard

MazdaMatt asked:


I have a friend who needs help and I want to make sure he gets the best company to help him. Thanks!

Clifton Adelstein

Trxy asked:


I ended up using my company credit card for personal use while on medical leave. I was not able to pay it off completely right away and it was sent to a collection agency. I have a very nasty debt collector calling me all the time now (which is to be expected) but her story seems to change so I’m not sure if she’s being honest or using scare tactics.
I contacted a debt management program and am working on paying off the debt over the next 12 months. Meanwhile, this woman keeps calling me and now she’s apparently (according to her latest voice-mail) set up a conference call with my corp office tomorrow.
I’m just wondering if there’s some reason using a lump sum settlement won’t work on a corporate card?

Ferdinand Cly