Want to do bill consolidation for all my girlfriend's debt
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#1
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Hello,
This is my first time on these forums and after reading around for little bit i decided to ask a question reguarding my girlfriend. She has a debt on Marshal Fields credit card which is $3200 ($175 minimum payment) and also two small credit cards where one is $400 ($20) and other is $200 ($10) that is pretty much it She has a car loan for $6500 ($180) and $1200 ($70)student loan, plus her insurance is like $220 a month Reason for my post here is that she is unable to keep on top of her bills due to really high interests on these cards. She has been paying little over minimum payments on everything as i listen in parantecies She does pay her payments on time but she is just unable to move forward whatsover Living paycheck to paycheck is just not an option I want to see what will bill consolidation do for her We tried applying for lower interest cards and balance transfers but she got declined So I want to see what your thoughts are on this. Will it mess up her credit, and can she somehow pay this debt off ASAP?? How does this work ??? She will have to get student loan for her school in future and she just needs to clear her bills up HELP :cry: Thank You! |
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#2
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Hi Miki
Welcome to the forums! Hope you are enjoying on the board. Speaking about your girlfriend's debt, all the bills will be combined into one loan amount and she will be paying it in easy monthly installments. She will have to draw only one check each month to the consolidation company. They, in turn, will pay to your multiple creditors. A monthly statement will be issued by the creditors as well as the consolidation company showing the distribution of your money. This program will be offered at a lower rate of interest and you will surely see the due amount shrinking down each month. One more advantage of this program is that the consultant will be negotiating with your creditors and wipe off all the financial charges, late fees. This will reduce the amount largely and you will be offered to pay the installment as per your convenience. http://www.debtconsolidationcare.com/benefits.html debt consolidation program is seen with a positive view in order to improve your credit file. The lenders will appreciate your involvement in such programs. They will realize that you have taken the responsibility to pay off the past debt and improve your credit worthiness. Once all the dues are paid, the creditors will update your file with the bureaus and there will be an increase in the credit scores. I recommend taking a consolidation program for easier monthly repayments and improving the credit ratings. You can also take some more professional counseling from the experts. They will call you up at your given number and find solutions to your debt related problems. Stand by your girlfriend's side and she will feel truly supported. Regards Roxette __________________
Debtconsolidationcare offers free counseling and help, please avail the services before taking any major decisions. |
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#3
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Definately just talk to a counselor that is referred to you by here...find out more info and what they can do for your girlfriend.
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#4
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Very interesting site. Are you trying to play with my boring commentary A joke for you peoples! Did you hear about the red ship and the blue ship that collided? The survivors were marooned.
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#5
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I am sure that there are plenty of positives out there, but what have you seen for yourself? Would you like more of my personal conception Nice joke! Why is someone who never gambles just as bad as a regular gambler? Because he is no better!
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#6
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Hmmm... I can be sensitive about my prickly autonomy Do you want a fresh joke from net? How many computer programmers does it take to change a light bulb? Are you kidding? That's a hardware problem!
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#7
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Think about it… I want everyone to know about my ornate relationships I have a nice joke for you people!
What do you get when you drop boiling water down a rabbit hole? Hot cross bunnies.
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#8
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Think about it… There are very few things like my rigid cousin I have a joke for you =) What did the robot have to do before she wore any earrings? She had to get her gears pierced.
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What do you get when you drop boiling water down a rabbit hole? Hot cross bunnies.
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