Ok, here is the deal. I have 4 Chase cards which equal to around $23,000 in debt. The problem is my credit score is still at 700, I have never had a single late payment in my entire life on any kind of loan. I currently rent with my wife, and I am going to school in the Fall for a final 9 months before graduation. I am trying to sort out what option is best for me, In addition I will need more money to cover my cost of living for the 9 months I am in school, I will not be working. Should I try to consolidate the CC debt now and get an additional loan to cover my costs during school?

I have used this company and they are pretty good. However, when they told me that there was no charge, I did find that they were keeping $20 of my payment even though they are a non-profit organization. When I asked them why they did that, they told me that they are funded through donations and the $20 a month was a donation. A donation that I wasn't aware that I was giving. Eventually, the "donation" increased to $25 or $30, and I was notified of it by mail, but wasn't able to not agree to it. If I didn't agree to "donate", I was taken off of the program.

Hello I have been trying to get a loan for a Semi I filled a forum out that said they will find me a lender so I was contacted by a man by the name of Jeffrey McIntosh He has offered the following to me first. This document verifies that **** (I Cleared my name out) has been given a loan of $55,000.00 for a 20-year term, at a payment of $272.06 per month, amortized at a fixed interest rate of 6%. The collateral Payment of $2750.00 is deducted from your total payback of $68,045.00. I called him to tell him I could not afford the collateral.

My boyfriend is taking me to Vegas in a couple of weeks, so if you notice I'm not here as often for a week...that's why!! maybe I can hit the jackpot and pay back all my PDL's!! HA! :lol: I know...it's only a dream...a girl can dream, can't she? :oops:

Can they be trusted? Are there any hidden fees that aren't discussed? Can I expect good results from this company. Please help me to decide if they are the company for me to use. Your input would be helpful H

Is anyone with me in saying that this "Guest" who keeps posting T&C's number is in the wrong by giving other forum guests the wrong impression of what this site is really about...People helping people? Who's with me?

I think I need help reading the report I received.

Has anyone called only to find that you always get Riscuitys voicemail? Well, they have caller ID on their phone lines.(amazing)I know this to be true because I called to find the same thing. When I finally got through I did NOT identify myself and MS.BLACK called out my name. I have also noticed that I have started receiving calls from other companies on my cell phone.(my cell # was/is never my main # of contact for any company) BE CAREFUL someone is giving it out.

I heard today on CBS that more 18-25 year olds are filing gor bankruptcy than going to college. This fact blew my mind.I know we have to learn alot of times from our mistakes but it seems like something can be done to educate young people to these dangers of being overwhelmed with debt. Forums like this are a good way to become educated. If you are young,or older, read postings of people not only who have problems like your,but those who have made great efforts to becoming debt free. See how they did this and are clearing up their credit.

I have 3000 in credit card debt and , they are 4 months behind. I losy one of my jobs and fell behind. I need a loan to get them paid off so that my credit is not messed up any futher. I am working full time now and can afford the payment. please help me