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I have a good credit history but I need a debt consolidation loan. Where do I go??

Financial Advisor — Thu, 04 Feb 2010 03:17:14 +0000

My debt to income is high because I have used my personal credit to help my business. I tried applying for credit cards to transfer balances but no one will help me. any recommendations??

I was given a good credit card settlement. What should I do?

Financial Advisor — Sat, 30 Jan 2010 06:27:52 +0000

I had a chargeoff with a credit card and now there is a collection agency taking care of it. The man offered me a settlement of half of what I owe.

3 payments in 3 months and I'm done with this he said.

What should I do next before I set up the payments or mail in any money orders?

What should I request from them? something in writing.

Please give me exact good advice as of what to do.

I don't wanna pay this amount and find out he lied about this settlement.

Is debt consolidation a good thing to do over bankruptcy?

Financial Advisor — Thu, 28 Jan 2010 21:36:23 +0000

A friend of mine is considering doing debt consolidation and I've heard that these types of businesses may be crooked. Can someone give me their honest opinion on if it is a good choice for someone with an extremely bad credit rating.

what debt consolidation is recommended that is with good standards with the better business bureau?

Financial Advisor — Thu, 28 Jan 2010 09:11:12 +0000

Is Debt Consolidation a good thing for my credit score or will it damage it ?

Financial Advisor — Thu, 28 Jan 2010 04:14:31 +0000

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?

I want start paying off my debt…but don't know what a good debt consolidation business is?

Financial Advisor — Wed, 27 Jan 2010 15:41:46 +0000

What is the difference between debt consolidation and credit counseling? I want to combine them all and just make payments so i can get my credit cleaned up and in the future get a home loan to buy a house. Are there any good suggestions. I'm not quite sure the best way to go about this. I owe a little over $10,000 but most is in hospital bills that have been sent to collections, and my student loans which i can make payments on but would like to make one payment to cover a little bit of each. Any advice? I've only ever had one credit card, but have made stupid decisions elsewhere with my ex and utilities such as the phone and television bill.