I get a lot of spam emails
from them and other christian debt help companies. Most of them all have
high complaint records with BBB and they seem pretty shady to me. If
your looking for good consolidation advice than look right before you.
This site offers a free consultaion. I would advise using their free
service before deciding to pay another company who might take your money
and run.
I have gotten spam from them
as well. I would just google them as well as look them up on the BBB
website.
I am dealing with one now out of Florida and so far so good..haven't
signed up yet, but they seem reasonable to me..they are Cornerstone
Financial Counsolers. no complaints on the bbb and have a A+ rating. I
even search for them on this website and nothing came up
either.
I find it apalling that
companies use the title "Christian" too gain the trust of people before
ripping them off or sending them somewhere too get ripped off. There is
a Chritian Payday Loan out there who matches borrowers with who ever
they can regardless of the comanies legality and reputation. But when I
think of that TV guy asking for 1000.00 vows that will be returned ten
fold nothing surprises me. I would not want to stand near one of these
people in a lightning storm.
I too need some financial help
but every consolidator I have spoken to fails to mention about the IRS
potential tax liability you have after signing up and they set up. The
settled amount s then reported to the IRS as income you gained and you
have to pay taxes on it Not only that, after the payoff it is reported
to the credit bureaus you settled for less. So it's not as good as they
say.
Sub: #5 posted on Wed, 09/17/2008 - 12:36
Unregistered
hi, over the past few years i
have built up abou 10k in credit card dues, would your organization be able to
consolidate that amount for me, im not looking to keep my existing
credit cards open but every other place i have gone to looks at my DTI ratio and dosent believe that i would close
out those other accounts, do u pay the credit card companies to insure i
dont leave other accounts open?
Sub: #6 posted on Tue, 09/23/2008 - 05:00
Unregistered
if you help us is it in the
form of a loan or do you just work with the credit card companies to get
us a lower rate
Sub: #7 posted on Thu, 09/25/2008 - 03:12
Unregistered
This thread is getting way off
track. This is a forum to discuss debt solutions. We are not a lender
nor does this site endorse any lender who posted above. Get it? You
can't borrow money here. Please contact a legitimate lending
institution. If this continues I will lock this thread. I do not want to
sound heartless but this is not the place to come for a
loan.
Can a mortgage be included
into Christian debt consolidation - even if the mortgage is upside
down?
Sub: #9 posted on Tue, 09/30/2008 - 07:19
Unregistered
Most of you have this all
wrong. I've been in this industry for several years now and yes there
are terrible companies out there, but theres also alot of great ones.
The particular company I work for for offers both debt consolidation and
settlement[URL="http://www.debtconsolidationcare.com/debt-settlement.html
"][/URL]. I constantly hear, what will this do to my credit.This
is coming from people who have a low credit score and have missed a few
payments as well as people who have a 700 or so credit score. Let me
break it down for you. If you have a 700 credit score, but you can only
afford to make minimum payments and 95 % are only making minimums are
over extended and their debt to income ratio is upside down. Which means
they have NO CREDIT. They can't afford to pay back anymore loans or
credit cards and there is no credit to extend. Sure your credit score is
good, so what your credit is done. Bottom line if your making minimum
payments on a debt of $10,000 or more options do you have
Example of a client I spoke with today:
He owed approx $32,000
On his own he's paying $865 and it will take about 18 yrs
Consolidation would be $806 for just over 4 years
You do the math...............
He had to think about it
Sub: #1 posted on Sat, 04/05/2008 - 08:58
(Posts: 108 | Credits: )
I am dealing with one now out of Florida and so far so good..haven't signed up yet, but they seem reasonable to me..they are Cornerstone Financial Counsolers. no complaints on the bbb and have a A+ rating. I even search for them on this website and nothing came up either.
Sub: #2 posted on Mon, 04/07/2008 - 10:12
(Posts: 250 | Credits: )
Sub: #3 posted on Mon, 04/07/2008 - 10:42
Moderators Cum Industry Expert
(Posts: 5381 | Credits: )
We are christian family,we need loan of 45 thousand USD , please help us to find some way.
Personal info removed by Shazzers for your protection.
Thanks & Regards
Gulia
Sub: #4 posted on Mon, 08/25/2008 - 01:25
(Posts: 1 | Credits: )
Sub: #5 posted on Wed, 09/17/2008 - 12:36
Sub: #6 posted on Tue, 09/23/2008 - 05:00
Sub: #7 posted on Thu, 09/25/2008 - 03:12
Sub: #8 posted on Thu, 09/25/2008 - 10:35
Moderators Cum Industry Expert
(Posts: 5381 | Credits: )
Sub: #9 posted on Tue, 09/30/2008 - 07:19
Example of a client I spoke with today:
He owed approx $32,000
On his own he's paying $865 and it will take about 18 yrs
Consolidation would be $806 for just over 4 years
You do the math...............
He had to think about it
Sub: #10 posted on Tue, 09/30/2008 - 19:40