Debt Manage

jojo asked:


Which ones are reputable from your experience?

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Brittany asked:


I’ve heard that In charge solutions is a good company. I’ve heard that they are a non-profit organization.

We have a little over five thousand dollars in credit card debt and other misc. things.

We are only making two thousand dollars a month.

Any answers will be much appreciated!

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Ms. Pirate asked:


Please provide me a URL so I can check them out.

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m b asked:


I’ve done SOME research but I’m still unsure..
I’ve visited with one company…you completely stop making payments to your creditors. After 3 months, they(credit counselors) step in working with the creditors to lower your payments and interest rate. BUT, you have to stop paying them for 3 months in order to “build a case.”
I don’t want to hurt my already dying credit rate.
Are there any other type of credit counseling services that DON’T require you to hurt your already damaged credit?
I’m not behind on any payments yet.
I’m still paying the minimum if not more every month before the due date.
I’m just trying to find something where I can have my payments all lumped into one large sum…and instead of trying to divvy it out amongst the different credit card companies…have it done for me.
(oh…and of course lower the interest rates)

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Snow W asked:


My husband doesn’t know and I don’t want him to. Is there anyway he can find out?

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itsallgood asked:


I’m thinking of entering a DMP as I have lots of unsecured debt due to unforseeable home repairs!!! Consumer Credit Counseling seems to be reputable but I’m worried about a negative impact on my credit. Can anyone offer advice???

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flowergirl asked:


We are in debt and I don’t want to file bankruptcy. After all I created the debt so I should pay it, but I also do not want to keep paying the minimum amount due for the rest of my life. I’m thinking of trying credit counseling and debt consolidation. Does anyone know of a good company? I tried my local credit counseling center that is through the government and they were rude and inattentive. I am in the United States. Thanks for the advice.

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michelleh7184 asked:


me and my partner have got into quite a bit of unsecured debt. i called a debt management service and have the paperwork infront of me. theres something niggling at the back of my head though. are these schemes safe and beneficial? has any one ever used them that could give me a bit of information?
also - will it stop me going for another mortgage??

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BrothaNeedsHelp asked:


A company I heard about states that they can erase bad credit from your credit report for 250.00, even if the debts are not paid. I think it is a scam. I need some advice. Should I engage in this or not?

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William E asked:


I’m going through a credit management company to help me lower my debt. I am about $15K in the hole with various credit cards and department store credit cards. I mailed out cease and desist letters to each of them to quit calling me, because I get calls every day at home, and even a few times at my job. Let me know your experience(s) with this.

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