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 Posted: Tue Mar 25, 2008 4:59 am Subject: debt consolidation |
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I am making my payments on time but do not see a light at end of tunnel is it possible to consolidated even though you are not behind in you payments. Thank You
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annbowlin
Joined: 25 Mar 2008
Posts: 1
Debtcc Points: 54
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| Posted: Tue Mar 25, 2008 5:12 am Subject: |
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I am not sure but I think you can do it! Maybe there is a way for you to get a consolidation loan or a company who can do this for you!
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schnuckibearsmum
Joined: 22 Mar 2008
Posts: 35
Debtcc Points: 657
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| Posted: Tue Mar 25, 2008 5:12 am Subject: |
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If you tell us a bit more about the debts you ae talking about perhaps we can help you. Since you have registered with the site, you are entitled to a free no obligation consultation. That may lead you in the right direction for your specific needs.
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kashzan
Debt Samaritan
Joined: 11 Jul 2007
Posts: 5461
Debtcc Points: 38903
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| Posted: Tue Mar 25, 2008 3:57 pm Subject: Is debt settlement possible when not in default |
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I, myself, am in the same boat and was wondering what I can do to negotiate my debt down or consolidate. I am current paying everything but I may not be able do it for long.
It is possible to negotiate debt or debt settlment with CC companies, such as AMEX, Citibank, when you are current and not in default?
Your help and response is greatly appreciated.
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mscru28
Joined: 25 Mar 2008
Posts: 1
Debtcc Points: 28
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123456
Joined: 26 Mar 2008
Posts: 8
Debtcc Points: 121
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| Posted: Wed Mar 26, 2008 5:47 am Subject: |
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Yes, of course it is possible. debt consolidation is only a loan, so you can apply for one whenever you like. Eg. - You can take several of your loans & pay them all off with the one consolidation loan. This generally makes it easier for you to manage your debts. It doesn't matter if you are behind on payments or not.
Here's some more info (I just google'd debt consolidation):
Wikipedia Debt Consolidation article
Debt Advisers Direct - debt consolidation advice
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jamesdaniel
Joined: 18 Mar 2008
Posts: 4
Debtcc Points: 97
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| Posted: Fri Mar 28, 2008 9:42 am Subject: |
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I am kind of in the same boat a lot of debt but not behind on anything.... would like a way to consolidate.
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crappa21
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Debtcc Points: 100
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| Posted: Fri Mar 28, 2008 3:48 pm Subject: |
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Same here. Paying everything on time, but it's draining my paycheck so I can't even get an apartment. I'd prefer a debt settlement over a consolidation. Not sure I qualify for this, or how much it will damage my credit.
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jmc
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