Someone Pls Help Between Debt Consolidation and Debt Settlement

Instead of enrolling into a program, you can pay off your debts on your own. Have a look at the following page to know more about it:

http://www.debtconsolidationcare.com/selfrepaymentplan.html

However, if a self repayment plan does not work for you, then you can enroll in a debt consolidation program and repay your debts. You can check out the following page to know more about debt consolidation program:

http://www.debtconsolidationcare.com/program.html

Would you advice a debt settlement company that willing to handle a small debt. I'm really need to paid this off but can't do it on my own. Thank you

Usually debt settlement companies don't agree to handle debts which are less than $10k. However, you can check out our Ranking Chart to find out whether any debt settlement company will agree to handle such a small amount. However, if you want, you can at least try to settle the debt on your own. You can contact the collection agency and settle the debt yourself. You can check out the following page regarding this issue:

http://www.debtconsolidationcare.com/diy/

Do you have money to settle?

Yes, I have a stable job now. Therefor I need to pay them off before its too late. Thanks

I would simply send a settlement offer letter to each of the credit card companies. You can find a sample letter in the DIY section of this forum. 25 - 30% is usually a good starting point.

I have more than $ 30k in credit debt and $ 10K in college loan. My credit is damage already in the last 3 months ( I stop to pay my creditors). What will be better at this point to go for; debt consolidation or settlement. I work for teh same company for 6 years...