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 Posted: Thu Aug 24, 2006 3:41 am Subject: Help asap |
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Hello I have to much debt and not enough to repay. I have tryed to go to debt consolidation company's and they want huge! repayment to my crediter's more then I am paying know. Is there any way that I can do this on my own? I am really stressed about all of this and need lots of help. I tryed talking to them on the phone (my crediter) and they are helpfull. They all call me about 15-20 times every day saturday and sunday's too. they start at 7:59 am and they don't stop till 9:00... What to due? tryed to go bankrupt and I was turned down if that is possible because I did not want to include my house or my cars. What to do please help!!! also I need help with my mortgage too. So how do I get them to work with me? please help I am so stressed out! What to do?
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chrisdebt37
Joined: 24 Aug 2006
Posts: 3
Debtcc Points: 170
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| Posted: Thu Aug 24, 2006 8:44 am Subject: |
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Welcome  First take a deep breath!Since you signed up here,someone will be contacting you if you signed up for the free counseling.There may be other options you have not thought of. If your creditors will not work with you,this may be the answer.As far as your mortgage,have you gone in person and talked with someone? I did that once,and it seemed to help,knowing that I wanted to make things right.Usually within 48 hours someone will call you,sometimes I think they also e-mail you with the name of a company you can work with. We are here to support you!...Karen
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As long as you are alive, there's always hope
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Bossy4455
Moderator
Joined: 27 Feb 2006
Posts: 5540
Debtcc Points: 65211
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| Posted: Thu Aug 24, 2006 12:58 pm Subject: |
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Chris, be careful when you are shopping for some consolidation company. The payments fixed in the plan are supposed to be lower than what you are paying to your creditors presently. People opt for consolidation because the lower interest rates are lowered down and easy payment plans are fixed. If a consolidation company is not providing you the benefits, look for another company. Take a free quote from the consultants here and you will be able to compare your options.
Regarding your mortgage problems, follow the advice of Bossy in her post. You should contact them in person and know what arrangements can be done.
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anthony
Joined: 22 Jun 2006
Posts: 462
Debtcc Points: 8670
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