debt settlement is a process through which people settle their debts. The debt can be termed as "settled" only when all the debt amounts are paid off. Basically there are two financial institutions that look after the settlement of debts. They are debt consolidation firms or debt management firms. It could be credit card related debts or personal debts.

Today money makes the world go round. Money gives an individual power, and it is money which gives one security and the comforts of life. It is like the magical wand. We need to be careful in using this wand. If we know how to use the wand it brings us happiness, on the other hand casual handling of this wand can lead us to disaster. Thus budgeting is indispensable to lead a secured and a successful life. Here we have discussed ten reasons why budgeting is a must for one and all. 1.

How do I go about arranging a meeting to discuss the debt consolidation? What do I need to do at this point. I need some directions?

I have over 60,000 dollars in credit card debt. I am interested in finding someone that can give me some direction. I want to pay my debt but need some direction. I am a professional and have a good job and would like to do this without damaging my credit if this is possible

Hi, I have credit card debt in the amount of $35,000. I pay on time every month and I try to pay more than the minimum payments due. However, one month by mistake, I was 32 days late on one of my cards. They reported me to a credit bureau and this caused my apr on another card to go from 9% to 26.5%. I've called several times and tried to renegotiate the apr back to 9% but they will not budge. I explained that I cannot make payments at 26.5% but they refuse to work with me.

Hi, Garry here. I am undergoing severe financial crunch for the last couple of months. I feel that I'm almost on the verge of serious debts. Can you kindly educate me on the symptoms that lead to bankruptcy. It would be of great help inorder to take early precaution.

Hello, I'm Jeremy. How difficult is it to consolidate credit card debts?

Is the prize only for registered posters?

Ok so...2 years ago I separated and divorce was final a year ago. Since..I have been trying my best to keep up with all the bills. He had credit cards I didn't even know about or that they were maxed till the divorce. Now I feel as if I am drowning here. I can't keep up. I need some help! The **** says for a consolidation loan with credit cards I need a mortgage or collateral, of which I have neither. I don't not want to pay my bills, but I can't keep up.

Good Day! I wanted to inquire about debt settlement and how quickly this works? I have heard that it takes several months even up to a year or so to get the credit card companies to make an agreement and also your salary could be taken in extreme cases, is this true? Is it worth it? I am now trying to consolidate my credit cards and I want to know if I should go the settlement way first. What are the pros/cons HERE? Thank you! :lol: