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 Posted: Thu Feb 22, 2007 10:23 pm Subject: Credit cards and personal loans |
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Hi,
My name is Chris, after a very bad divorce , i am in debts for 65000 between credit cards and personel loans, and around 20000 debts from my family. I am paying lots of interest. It is killing me, I tried to do the consolidation but I am too afraid because I've heard some horor stories about scams...
Anybody can help me?
thanks
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lynch_chris
Joined: 22 Feb 2007
Posts: 4
Debtcc Points: 132
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| Posted: Thu Feb 22, 2007 10:33 pm Subject: |
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Welcome, Chris. If you've done the free signup, you should be recieving a call soon from a credit counselor. Don't give up hope.
_________________
The only people with whom you should try to get even are those who have helped you.
-John E. Southard
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Morningstar
Moderator
Joined: 06 Feb 2007
Posts: 1653
Debtcc Points: 10696
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| Posted: Thu Feb 22, 2007 10:34 pm Subject: Hope somebody will help you |
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I am sure someone will help.
good luck
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lynch_chris
Joined: 22 Feb 2007
Posts: 4
Debtcc Points: 132
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| Posted: Thu Feb 22, 2007 10:55 pm Subject: |
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Also, be sure to use the google search on the side of the screen so that you can research whatever credit counselor you wish. There are lots of topics with positive and negative comments regarding these companies.
_________________
The only people with whom you should try to get even are those who have helped you.
-John E. Southard
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Morningstar
Moderator
Joined: 06 Feb 2007
Posts: 1653
Debtcc Points: 10696
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| Posted: Thu Feb 22, 2007 11:12 pm Subject: anybody heard of debtxs company???? |
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I talked to a man George Deslaurier and he is the representative but as i said before I am scared if he will be a scam! Anybody have a recomendation? or a name of a good company to settle my debts???
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lynch_chris
Joined: 22 Feb 2007
Posts: 4
Debtcc Points: 132
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| Posted: Fri Feb 23, 2007 8:28 am Subject: |
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www.debtconsolidationcare.com/pennsylvania/
Edit: I don't know how to properly insert a link on a BB.
_________________
The only people with whom you should try to get even are those who have helped you.
-John E. Southard
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Morningstar
Moderator
Joined: 06 Feb 2007
Posts: 1653
Debtcc Points: 10696
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| Posted: Fri Feb 23, 2007 12:38 pm Subject: |
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When you enroll into a consolidation plan, you pick the accounts of your choice and the repayments are framed at a lower interest rate. It also helps to bring the total balance down because the counselor negotiates with the creditors for waiving off most of the late payment fees. Your accounts become current and you repay the debts under the terms finalized by you.
Consolidation program is always good for people unable to afford the high interest rates and paying just the minimum amount. Major portion of your money is eaten up in interests alone. Talk to a debt counselor for fixing up a payment plan on your accounts. No fees will be charged on your debts after entering into the plan.
Be sure to research the consolidation company with the BBB and your local AG and check their consumers' feedbacks. You will be assured of being in safe hands.
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FlyingCats
Debt Samaritan
Joined: 05 Aug 2006
Posts: 483
Debtcc Points: 6791
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