Credit Card Debt Settlement

Debt relief?

My husband was out of work for a long time, and we really got ourselves into a lot of debt. (about 30,000) I have managed to keep up with the minumum payments on time, but because of the interest on the cards it seem like we are never going to make a dent in it. We don;t own a home to cash out equity and pay them off. Does anyone havve any advice that might help.

How does consolidating credit debt effect a credit rating?

My credit rating is probably better than the average as I pay all my credit bills on time, but I’d like to consolidate all the debt for a lower interest rate, with an eye on paying it all off faster. Would it be better to pay off the balances individually than to consolidate? How will zero credit card balances effect my credit rating?

Any suggestions, and any recommended books, would be appreciated. Thank you!

Debt Settlement Or Do It Yourself Debt Settlement

Hate your Credit Card Bills? MAXED OUT – NOW ON DVD

Has anyone had luck with debt settlement companies for credit card debt?

I am in Ohio and do not want to file chapter 13. Looking to make settlement to credit cards. I am looking for reputation companies that do credit card settlement. What do these companies charge. 50,000 in credit card debt at 23% apr.
Do not want to go to consumer counseling, we can get a loan from family for 25,000 to pay off total. Can not afford to pay anymore. We need to help our son who has some medical issues.

I need a credit debt relief co to help me not tied to any bank or credit card co. Non profit.?

I need the name of a credit debt relief organization to help me that is independent of all the banks & card companies. A nonprofit type agency.
Thank you for your help.
JaQuan Nuby

How to handle bad credit debt thats almost 10 years old but it still shows up on my credit reports?

I have atleast 4 major credit debts that was in the early 90′s i thought bad debt only remains on your credit for no longer than 7 years its almost over 10 years but they still show up on my credit reports. Is there anything I can go legally to take those off my credit history, Specially now that I am trying to rebuild my credit.

Consolidating debt through consumer credit counseling services?

I have approximately $2000 of credit card debt that I absolutely need to get paid down. i talked to consumer credit counseling services, a debt consolidation company, http://www.cccsstl.org/ and this is what i was told:

Basically they would cut my payments down to about $130 a month total for 3 cards by getting my interest rates lowered to between 6 and 10% approximately. I would pay it off in 2 years instead of 8 as i would now without consolidating. he said the $130 a month payment included a monthly fee of $49 directly to the credit counseling service for their help and services. Is that the normal thing when consolidating? Is that legitamet? I would only be paying $80 or so a month on the actual credit card debt and that doesn’t seem like very much to me.

Anyone have any knowledge in this area? Is consolidating a smart thing to do and does it hurt your credit in any way? Is there a smarter way to do it?

LONG-sorry and thanks!

Zero Debt for College Grads

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