Need a Little Help on Credit Card Debts

Sassy,

Welcome to forums :D

A new loan to pay off others is not the right strategy. It won't help you in the long run and might take you deep in debts.

Bankruptcy is also not a wise decision. It affects your credit adversely and stays in your record for next 7 to 10 yrs. That is the reason experts advise to avoid bankruptcy always:

http://www.debtconsolidationcare.com/avoid-bankruptcy.html

I would go for debt consolidation. This will help you repay all the unsecured debts with affordable monthly installments and reduced ROI. As a result you become debt free very fast.

IMHO, you can avail free consultation offered by this site. It will help you discuss your obligations with the consultant. Your consultant will prepare a payment plan according to your debt to income ratio, so there is no question about its affordability.

When you agree with this payment schedule, your consultant will negotiate with your creditors to get this plan approved. You need not deal with collectors or creditors any more.

Please enter your contact information in the sign up form of this site to get the free counseling. Best of luck.

I have started the sign up form but do not have the account numbers I need to finish. I have been told by a couple of friends that the debt settlement will hurt me more than the bankruptcy. That the 7 year time frame does not start till I have paid off my account, plus the credit cards can still call, write and sue me and interst and late fees will still apply to my account.

Hi sassy,

Debt consolidation and debt settlement are two different process and people mix up between them very often.

Quote:

I have been trying to sign up on this site. I put my personal information in and got to the point to put in the credit card info and it asked for account number and amounts. I do not have that info with me at the moment. I wanted to see what ya'll might be able to do for me. I have tired differnet sites and not really getting any where. I get different stories from different sites and different stories from friends that have gone through this or filed bankruptcy. Please help.

Hi sassy,

I do not think it asks for your credit card number. You can continue with the sign up process now. You will get a call from one consultant after registering here. You can explain all your doubts to the consultant. Best of luck.

I tired the link you gave me and it said that my email address was already used. It must be tied back to the first form I started. I did get a call last night for superior debt that said I contacted debt consolidation care. Is that a call that came from this site??

Right, Superior Debt is the company affiliated with this website. I have heard it from others who signed up in this website.

Thanks John. Now I know that I can talk to the lady that called me. I wonder if there is anyone out there that could give me some advise on this company.

I was just telling the other member about my friend who is using their program. Their fees are very nominal and can be included in the monthly payoffs.

Besides, they have a good customer care representatives. Feel free to talk to them. There is nothing to worry here. Here is the thread I was telling the other person.

http://forums.debtcc.com/forums/superiordebt.html

I checked them on the BBB site and they are not registered to debt consolidation. This is kinda scary now. Also I was wondering if there is one out there that will not take the payment out of my checking account, or do they all do that?

Sassy

[quote]I checked them on the BBB site and they are not registered to debt consolidation. This is kinda scary now.

What did you use to do a search on this forum. If they are not a debt consolidation company, you would not get referred to them.

Also, are you logging in each time to post? If you've signed up on this forum, you can use your sign on to obtain points.

Regards-
Mike

I have signed on but I can not log in with the password they gave me. I have tried three times.

I look at the BBB in Vegas, that is where Erin with Superior Debt Services is located. The BBB told me that this company is not registered with them and not registered to do this type of buiness.

Lisa

The site states that they were unable to confirm whehter or not the business had a license. If you feel uncomfortable about this, bring it up to Erin and ask for their license #. This should be public information, and you can check up on it.

Regards-
Mike

Also Lisa, pertaining to your password, this would have been something you choose. It's your email address and the password you choose when you first visited this site. If you forgot your password, you click forgot logon information. Hopefully this helps!

Mike

Mike,
I have sent a email to reset my password and they sent me a new one, but this new password does not let me sign on either.
Plus you said bring it up to Shannon. I was wondering who Shannon was?

Lisa-

I meant to say your councelor, Erin.

When you are logging in, are you putting in your complete address with the @ sign and the dot com. You'll need the entire address, as well as your password to log in. The login is not from Superior, though. The login will be for this site.

Sorry to hear of the troubles you're experiencing.

Regards-
Mike

Mike,
I did put all of my email address in. I sent them another email stating what was going on. Hopefully they will correct it sign. I am missing out on points.
Ok I thought you meant to put Erin. I have not talked to her on the phone yet, only by email. There are so many out there and I am not sure who to go with. I had one that had my payments where I could handle them, but I had to reg flags. They want to hit my checking account for the payment and the laywer with them was out of the kayman(sp?) islands. I contacted the local BBB and Attorney Generals Office and they told me to stay away from them.

Lisa,

I think you are slightly mixed up between your credit card company and with this forum. This forum belongs to debtconsolidationcare.com. Have you requested them to change the password?

David,
On the sign on screen I hit the button for forgotten password. They sent me a new password but it will not work. I have sent them another. Thank you for trying to help me out.

Hi Lisa,

Please mail me at [email]mike@debtconsolidationcare.com[/email] with your username that was entered to register in this website. I will surely fix the problem.

Regards
Mike

Mike,
I will send you an email with that info. Any help you can provide will be greatful. I have posted several replies on here now and getting a lot of great help.