Debt Elimination Companies

eliminate debt? how to eliminate my debt

If using consulting service to improve credit score and eliminate debt, when should I buy a car? I am currently without a car and am now using a consulting service to improve my credit score as well as eliminate my debt and I would like to know when should I buy a car? Should i wait a couple of months? Four months?

Consolidate debt? Too many credit cards? How can I eliminate debt with out it hurting my credit score? Consolidate debt? Too many credit cards? How can I eliminate debt with out it hurting my credit/fico score? Do the consolidators companies hurt your credit?

Can I use the law to eliminate my debt completely? I know there are laws on the books to eliminate debt but I don't know them. Does anyone out there know them? In addition, HSBC Bank is constantly calling me. Is there anyone out there who has had or is having trouble with HSBC and its collection practices?

Has anyone tried a company called debt jurisprudence inc.? They claim to be able to eliminate debt completely. The company claims that they can completely eliminate your debt for a $4500 dollar fee. I couldnt find any thing negative about them on the internet but they were not even listed in the better business bureau. When I spoke to someone over the phone they seemed believable. Is it too good to be true?

What is a good way to eliminate credit card debt? i am having a very difficult time paying down the balances that I owe on my credit cards. I've tried calling them up myself and negotiating the interest rate, but they refuse to lower it. I can barely afford the minimum payments and just want to be done with this. I don't want to file for bankruptcy, I'm just looking for other methods of helping me eliminate this debt that I carry. Any help would be greatly appreciated!

What is the best way to eliminate debt and make only one payment? Ok I was in a car accident and I got behind on my credit cards (which I should have never had in the first place). I probably have close to $5,000 in debt and I am wanting to find the best way to get out of it. I also would rather pay one montly payment. Would a bank give me a loan to pay off the credit card companies? This would be easier for me to just pay one huge amount each month instead of so many individual payments? Also since I have late payment charges will this effect my status? Any who please help me with any advice you might have...

I heard a radio avertisement to eliminate debt by a group called Campos Chater Law Firm is this the real deal? They say they've helped thousands of people, basically what they claim to do is buyout all your debts which lowers the cost, charge you their interest free fee and you pay them off just like that. My personal debt is one $6500 charge off and one $6500 consolidation loan. The guy told me that they can get my total down to anywhere from $4500 to $10000 from $13000. Will these guys actually help me or is there another option?

What is the best way to eliminate debt? I have three different debts I owe and I am trying to use the best strategy that will work. One method I was going to use was to pay off the debt with the highest interest rate which has 2 years left on it while adding smaller amounts to the other lower cost and interest debts. The other strategy was add a little more to my monthly payment for all debts high and low in order to neutralize them all, but this would take longer I think. Thanks.

How do i eliminate debt for a college student? Well making monthly payments for 2 credit card i never use and now im just tired of it and cant seem to keep up anymore, how can i get rid of all these debt

Are credit management companies a good idea to eliminate debt? 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.

How can I eliminate debt in my life? I'm running out of money and the banks chasing after me. Help me please? I have several loans on different banks for the mortgage of my car and house. My business is bankrupted and I don't have any other source of income.

Can you eliminate credit card debt by declaring bankruptcy? Can an individual eliminate credit card debt by declaring bankruptcy? I didn't think you could wipe it out, just get the bill collectors off your back. But, someone told me that it depends on which chapter of bankruptcy you use. The right one WILL eliminate credit card debt. I know someone who has $80,000 in credit card debt and they are trying to do that to get rid of that debt! Is it really possible? Are there any restrictions in doing this. Can you ever get a credit card again if you do it? If you file bankruptcy to eliminate all debt, do you have to give up ALL of your possessions? Will you have anything left? This is for a friend of mine (really). They don't own a home. They have 2 cars and some furniture and A 401k plan. Between the two of them they make about $40,000 a year. I don't see how debt consolidation will help them How could they EVER pay off $80,000!?! They had a house but they used up all the equity in it over the years and sold it recently and broke even on the deal, ending up with NOTHING! What a mess! I just didn't think they could wipe out their credit card debt! And, it really isn't fair to the rest of us that pay our bills!

I'm 22, how do I eliminate my debt? Does anyone have a spreadsheet avail to help me keep track of my progress? I'm 22, how do I eliminate my debt? Does anyone have a spreadsheet avail to help me keep track of my progress? Should I attempt to get a loan or should I just make a plan to pay off my debt according to priority?

What are several ways that you can reduce or eliminate debt?

How can I consolidate or eliminate my debt? I have about 4,000 in credit card debt (a combined total from store credit cards). I haven't been able to make any payments in a few months and I have people calling my house all hours of the day and night. I have bad credit now so I can't get any loans. What is the best way I can consolidate these cards with my bad debt? I already got rid of my credit cards. I was just wondering where I can get a legit consolidation loan with bad credit?

How do those companies that promise to eliminate most of your debt work? What's the catch? I have about 15k dollars in credit card debt and I'm looking to knock it out. I heard some radio ad stating that they can eliminate a good portion of my debt. How can they claim this and what do they do that gets your debt down? Does this harm your credit score?

Give several ways on how you can reduce or eliminate debt? ? Thanks

I need advice on how to eliminate debt.? I know that the economy is in a horrible state. And I will be honest and say that I let my spending get out of hand. I want to eliminate my debt does anyone know of a good source to contact, such as those credit relief? I've researched online and there are so many. How do I know if its legit? And is there anyone who has used any of these services or does anyone know how they work? I seem to be losing sleep over this because it is stressful and I really want to solve this problem. Thanks.

How can i eliminate my debt and start to establish good credit? As soon as i turned 18 i wrote bad checks, never paid my medical bills and some other stuff that ended up being reported to credit agencies. I really got careless, but now I need to get my life on track and want to know the best way to start that. Can any one help?

How do I eliminate debt from my credit report?

Has anyone heard the commercials that promise to eliminate mortgage debt in 5 years? It has to be a scam but I curious if anyone knows what it is all about?

How do someone reduce or eliminate debt?

Is it a bad idea to use a consolidation company to eliminate my debt? Does it show on my credit history in a negative light?

have anyone out there ever used collateral to eliminate debt! is this a good move? what goes on the credit ? repo, bad debt, need some answers.

How quickly could be feasable eliminate the national debt? If we "temporariy" put a halt to every penny that we give to other countries, completly stopped all wasteful spending and put every nickle towards the 8+trillion debt - how quickly could we pay it down - and more importantly - WHY DONT WE??

What are the new rules for filing bankruptcy and does filing eliminate all debt?

Best ways to eliminate business debt? My company has around $80,000 in accumulated debt and I need assistance in paying it down without doing anything to jeopardize my credit. Does anyone have any legitimate advice or possible solutions?

How should I eliminate my debt? I my wife and I have 3 credit cards that have very high intersted!? The interest rates and balances are as followed. 16% on 4,000 with a 5 thousand dollar limit. Minumum payment of $125 9% on 5,000 with a 5,500 limit. Minumum payment $150. and 14% on 11,500 with a 12,500 limit. Minumum payment $250 How should I go about paying these off as far as order and amount if I have about $1100 a month for credit card bills? My wife and I just got out of college and are just starting to work new jobs. We make a combined 87K. We haven't used the cards in 5 months since we started working. I just wanted to know the fastest way to pay them off.

has anyone had any experience with credit counseling companies? Or other ways to eliminate debt?

What chapter of Bankruptsy do I need to file to eliminate debt completley? Not having to pay it back.? is it 7 or 13 ? Bankruptcy***

how can i eliminate my debt? I have some accounts in collections and it seem to be to hard for me to get free of debt. Im in school, so i can't get a second job. does anyone know a way to consolidate my balances or any institution that can help me out?

I want to eliminate my debt but it doesnt inclde credit cards. i have a defaulted student loan & some other st? uff. Are there any debt colsolidation companies that can help me.

How can you eliminate debt? Is it possible to do such a thing without filing bankruptcy

What is the fastest and easiest way to eliminate credit card debt?? Estimated 6000 debt on high interest credit card....

How can i eliminate my debt and get my credit score up? suggestions please???

how to eliminate debt? i have a lot of debt, from credit cards, cash advances, student loans and banks. how can i eliminate and pay off all of those debts?

Hi my household got $45000 debt but i can pay only $150/month is there anyway i can eliminate debt in 6 yrs an? Any law firm or any solutions

How can I eliminate debt legally and who can I trust and how do I know if they are honest & not a scam?

what is the easiest way to eliminate debt?

What is the best and quickest way to eliminate credit card debt without destroying your credit score?

Why don't we eliminate our national debt by not sending aid to any country that is openly Anti American? There is more than 1 kind of aid and we give away trillions of dollars a year. Military Medical Developemental HMMM. We could make a profit.

How eliminate credit card debt.? When a card holder uses a credit card, he is borrowing from the credit company. How he eliminate his credit card debt.

what is the best way to eliminate credit card debt without filing bankruptcy?

Can you include a 2nd mortgage in a BK and eliminate the debt. ? The house has a first of 750,000 and a second of 186,000 and it is worth about 725,000 can the lien be released on the 2nd.

What is the best way to eliminate credit card debt without having to pay a lot of interest if very little?

what is the best why to eliminate credit card debt? without morgaging the house.

How do i eliminate a thousand dollar debt? I am wondering how to pay off a remaining sum on my CC I pay it off each month but end up always surpassing the limit on my credit card. I want to be able to pay it completely off. I can't imagine setting aside a 100 a month due to the fact that I am constantly paying off the remainder of what I owe. thanks for reading my question. yeah thanks for your outstanding sarcastic remark (first guy) way to go buddy

Why Is It So Bad To Take A 401k Loan To Help Eliminate Credit Card Debt? I took a loan out a few years ago to help my girlfriend get out of some financial trouble and it worked out great. I paid myself back with interest. Now I want to do the same for myself, and I hear people saying NOT to do it? If it helps me out, as I cut up my cards in the process so they can't be used, why is it so bad?

What is the best way to eliminate Credit Card Debt ?

Can you eliminate credit card debt by declaring bankruptcy? Can an individual eliminate credit card debt by declaring bankruptcy? I didn't think you could wipe it out, just get the bill collectors off your back. But, someone told me that it depends on which chapter of bankruptcy you use. The right one WILL eliminate credit card debt. I know someone who has $80,000 in credit card debt and they are trying to do that to get rid of that debt! Is it really possible? Are there any restrictions in doing this. Can you ever get a credit card again if you do it?

I'm looking at buying a home, but have a $6,000 credit card debt to eliminate first? Many people are telling me that regardless of that $6,000, now's the time to buy. My plan is to systematically pay off that card while saving at the same time to have an emergency reserve should push come to shove and I'm in a financial bind. I want to go into the home buying process with only my student loan debt to worry about. Outside of paying off the card in its entirety before purchasing a home, what other options do I have? With the market the way it is and my good credit score (730-ish, debt-to-income ratio around 10%), I'm sure there are options available to help me obtain a home faster. I should make it known that: 1) I live with my folks who aren't charging me rent. 2) I have an open to buy of $25,000 in credit. 3) I don't consider myself in financial trouble. I have a 401K and a T-Rowe money market account I'm making continuous contributions to.

What's the best way to eliminate credit card(s) debt? I'm in way over my head, as some would say. I owe a little over 5 grand on my primary credit card and the max is $5,300. I owe about $500 on another, and $400 for a traffic citation. What should I attack first? I have a little over $2,000 available. Thanks for your help.

how to eliminate debt without paying it of and no bankruipctes?

Re; (collateral) have a couple of big payments, trying to eliminate some debt, can I give up collateral? how will this affect my credit, or what will it go as, repo, or bad debt?

I have no present debt. I have old issues on my credit report. How do I eliminate that debt?

whats good companies are there to eliminate credit card debt?

Time to re-mortgage my home to eliminate ccd debt.? I have about $30,000 in credit card debt due to a layoff (I am otherwise highly responsible). I have 30K in home equity. I have very good payment history on my credit (I make double payments on my car, 10X the min. on my ccds). For the last 2 years I have played the credit card companies against each other with 0% interest offers. However, it appears my luck has run out because now they wont give me large balance transfer offers anymore. I have been sending about 2K per month towards credit cards so I have plenty of excess monthly income. My other 0% offers expire in Nov. Is it time to re-mortgage my home to eliminate that debt (I cant do home-equity in Texas)? Is it worth the closing costs and higher interest rate (current rate 5.15%) to take that route? As it currently stands, the 30K will be gone within 2 years without the re-fi the house. Please advise. Thanks! To the person who said: Don't Carry Credit Cards. When you have to be laid off for 1.25 years and you go from a 6-figure salary to 1/4 of you are used to working freelance, thats when you HAVE to turn to credit cards. That was what they were CREATED for.

Quick (LEGAL) ways to eliminate debt? Now, I have this credit card debt...it is not like a huge amount, but my husband is really after me to pay it off. So, any ideas on how to quickly pay off roughly $5000.00 in debt? Looking for new ideas that are easy to do. Thanks!

Should I go with a Debt Consolidation Agency/Company to eliminate my credit card debt? I am wanting to rid myself of all debt and consolidating under one company at first sounded great. Now I'm getting "cold feet"! Should I continue on w/ them or should I "tough it out" and try and do this myself? The chief thing I like about consolidating is that THEY deal w/ headaches for me, not to mention I'm getting ONE payment as well as lower interest and "re-aging" of accounts. Any advice would be appreciated!:)

If I owe the IRS money, will filling for bankrupcy eliminate that debt?

what would be the best way to set up a budget and eliminate debt ?

How do I eliminate $20,000 in debt (car payment and medical bills) when it seems like I make no progress? under current payment arrangements?

Can we eliminate the National debt if we demand that? Bill and Hillary return all the money they stole while he was President?

Has anyone ever used a debt management service? How did it affect your credit rating? Would you reccommend it? I want to eliminate the rest of my credit card debt. I see the ads for debt management services where they work with your creditors to reduce your interest rates, then combine all of your debt together, where you pay them one payment per month. My husband thinks this will reflect negativly on our credit report. Has anyone ever done this, and were you succesful in eliminating debt? Did it affect your credit rating in a nigative manner? I think that most people in America today, have alot of consumer debt, but I see many poeple who aren't worried about it, and only pay the monthly minimums each month. I have been there before, but I am ready to pay it all off. What do you think? I would love to hear from anyone who has used these services before, or any other great idea to pay it all off, without taking out any more loans. Thanks!