Debt Elimination Companies
Debt Management Company Knowledge Base
What would my creditors & debt management company do if i missed 1 of my monthly payments?? I am currently on a debt management plan with a third party company whom i pay £300 per month towards clearing my debts. This £300 gets split to pay off my creditors.. Just out of interest what would my creditors/debt management company do if i was to miss one of these monthly payments? What would the consequences be if i were to miss a payment?
Which debt management company is the best to use? I have several debts which are out of control and want to use a debt management company to make 1 monthly payment to in order to organise my debts but not sure which one to use which won't charge and which will be able to do this for me.
is it possible for me to start a debt management company? can anyone who wants to run a business start a debt management company?
what are the disadvantages to using a debt management company? I have credit card debt that I am considering using a Debt Management Company. Any thoughts?
Has anyone had a not so good experience with a debt management company? Last year I had lost my job and got way behind in my bills. When I found a new job I decided to work with a debt management company to help with my debts. I've been with a company about five months and I'm starting to get calls from collectors almost every other day. I thought this company was helping me, but it seems to have made things worse. I decided to drop this company and just make arrangements with the original creditors to start making payments. From my personal view it's better to work with the original creditors.
What do I do if the debt management company doesn't make a payment for me on time? Can I sue them? In early 2006, I signed up with a company to consolidate my credit card debt. The full amount was around $12,000, and that's spread out over six cards. This year I started making a good bit more money, so, in May, I called the debt management company and asked if they'd take an EXTRA payment from me that month, as soon as possible, in order to knock off most of the debt on two credit cards. I thought I was clear and repetitive, but somehow they managed to ONLY pay those two cards that month of May and none of the others. Now Bank of America has told me that this has been negatively reported to the credit bureau. The debt management company, who made the error, is telling me, in so many words, that it's my fault and that there's nothing they can do. They tell me to call Bank of America, while Bank of America just shrugs and says, "We just report what comes in and what doesn't." I asked for a call back from a supervisor at the debt management company, but there's been none since I started asking last week. I threatened to sue them, and they told me, in so many words, that that is not an option. Can someone make a mistake that injures your credit rating and not be held accountable? I never missed a payment until now.
Does anyone know of a debt management company that will include a loan from CashCall? All of the debt management companies I have spoken with say that CashCall is considered a payday lender (even though I have a $5,000 personal loan) and cannot be included with credit cards.
Has anyone heard of a debt management company called Money Worries Ltd? Just wondering if any UK Yahoo! users knew anything about a debt management company called Money Worries LTD which i am investigating at the moment and if they were dealing with them, could they tell me any good or bad stories about the company? Thanks.
I am being sued by a credit card company. I am using a debt management company.? I don't know how best to answer the summons. I have saved almost enough money to probably settle with the credit card company. I will get paid and have the last of the money in hand two weeks after I have to answer the summons in writing. Should I put this information in the answer or just answer it generically and hope they settle when my debt management company contacts them. My debt management company won't contact them til I have the rest of the money in the settlement account.
Can having an agreement with a debt management company affect getting a remortgage? My fixed for five years mortgage ends next year and I will be remortgaging but I now have an agreement in place with a debt management agency and would like to know if this will affect my chances of getting another mortgage. I am also in negative equity but have never missed a mortgage payment.
How do I go about consolidating 10,000$ worth of credit card debt without using a debt management company? Myself and my soon to be fiance are in a lot of credit card debt. Between the both of us we always pay our bills on time but now it is starting to become a problem where it is getting overwhelming. I want to get a loan to pay off everything in 4-5 yrs but don't want to work with a debt solution company if it is going to hurt our credit.
Where can you find a reputable debt management company? Below is an answer to a debt question I asked. Im 70K in CC debt. You hear so many stories about these companies that say they settle debts and stories of how they really can’t do anything but just take your money. Does anybody know how to ferret out a reputable company that really does that service? What I would recommend would be to talk to an accountant or get some information from a company who can help settle debt for a lower cost. If you do that and they project that you can settle your debt for say 15-25k,
should I consolidate my credit cards debt with a debt management company ?? what do you think? ? I have over $20,000 of credit card debt. I am able to pay them off slowly now, but I am thinking of consolidating everything with a debt management program. This program said they will close all my accounts and all I have to pay is a low monthly payment of $500 a month for all my credit cards. Is this a good deal? I am not sure. Thank you for reading and thank you for your time.
Has anyone tried a Debt Management Company ? I owe less then two thousand dollers. I wanted to know if you can use such a company without more debt then that, and what compainies are the best?
Anyone have any experience with the debt management company Take Charge America? What's your opinion and experience with this company? (And I DONT want to hear from anyone instructing me on how to pay off bills on my own. I am well aware of how, and if I HAD money to pay them off, I wouldn't need a dent management company.) And no spammers with lame links! Wow, do you guys just troll and troll the credit area? I am just trying to hear from people that have actually used this company
Can you use a debt management company if you've already been through one? I am using a debt relief company and have fallen behind on payments. I'd like to try another solution
Has anyone in the UK ever used a debt management company called Pay Plan, if so what do you think of them? I was referred by a C.A.B debt advisor to this company, who will take a set amount from my income and distribute it to my creditors, i'm a bit wary of giving them my money as i have never heard of them and they do this for free.
What is the best debt management company,that doesn’t charge. For people in a round £13k worth of debt? Also when you get the right comany, how do you stop them from taking most of your monthly salary off you?
whats the best debt management company for me? I have about three credit cards that are several months late and i wnated to consolidate them or somthing cause i cant afford them now that i am looking for a new job. I am only renting a house and the only debt i have is from credit cards, about 8,000 worth. any advice?
Is anyone here with a debt management company that charges you a monthly fee? I used to work for one and found that it was a con. If you want to know more, I could elaborate on this post. Tell me your experiences?
How much will your credit score go down if you go with a debt management company? I have a 14K Amex bill which I am not responsible for but will have to pay so I am thinking of just settling it, How much will it lower my credit score? It's currently a 690 right now.
How can I tell if a Debt Management Company is reputible? or where can I check to make sure the company is okay?
who is the best debt management company to use to consolidate my debt? im looking for a company that charges less than 15%
who is the best debt management company? i wont to know who is the best debt counseling company and the most reliable
Does anyone use a debt management company called Clear Cut Finance? I can not get in touch with them either at their Mount Street Branch or their head office can someone advise me if they have managed to get in touch with them and how I have also tried e-mailing etc.
I need a reputable debt management company? I was talking to one company that said my fee would be 8.5% but after I added up all of the fees that went with it over close to $5,000!! I need a company that can help me and not charge huge fees. Can anyone recommend one.
Debt management company payments? A debt collector is chasing my friend, she has told them that the debt management comapny are liable. The debt collectors are calling my friend and not the debt management company. Who is in the wrong?
Am i legally obliged to stay with my debt management company?? im currently paying off my creditors through a debt management company. I give them a lump sum each month which is the distributed to my creditors. the debt management keep a percentage of this lump sum for themselves, however i was wondering,,,, As an agreement has now been reached with my creditors of X£££ each month could i just pay them this directly out my bank account?? This would then save me the Percentage that the debt management company keep forthemselves. But is this an option?????????
Unhappy with a debt management company? I recently signed up with a debt management company but i am very unhappy with their service. If anything they just made things worse. Is there anyone i can report them to
What is a good, legit, debt consolidation/management company? Yes there are alot of people like me who get in way over their heads in debt. I was looking into debt consolidation companies on the web, but how do you know if they really are the right company to go to? They can say they belong to the Better Business Bureau, but is that for real? I would love 1 good, solid recommendation! Thanks for your help!
Can enrolling in a debt management company for our credit cards hurt our chances at a loan mid? Loan modification sorry:)
Can anyone here recommend a good debt consolidation/management company..? I am behind in my car payment and they are about to shut off my cell phone, and I have other debt that collectors are calling on. Does anyone know of a good debt consultant/management company?
Can a debt management company erase bad credit information from your credit report for $250.00? Is that legal? 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?
I am in debt. I am working with a debt management company. Can any of this effect his credit rating? My husband doesn't know and I don't want him to. Is there anyway he can find out?
Does anyone know a good & reliable debt management company? Fact: I am completely screw with debt from credit cards. I am going thru a divorce and I juts cant afford right now paying my debts. I want to settle my debts. Where can I find a good company that can actually help me and not make things worse????
debt management? I'm looking for the most reputable top knotch debt management company to go with to settle some debts from my younger years..I've heard stories though of people getting ripped off and scammed by these "so called companies" So can I ask out there anyone know a good company to go with?
My daughter has applied to a debt management company? I am pleased that she is taking action to resolve her difficulties but feel I have let her down badly - I thought she would have known better than to get into such serious debt. This means for five years she will not be able to get a mortgage - she will be 28 before she can even apply - would it be better if I got out a loan and helped her out - I could not afford to do it for both my daughters though - the other one is very sensible with money so I feel that I would be letting her down too by seeming to favour the other
has anyone heard of rma debt management company as i am in arrears with mbna due to being out of work with ? stress now i have spoken to mbna and have given them a payment and another due out next month i have explained this over and over to rma and they won t listen mbna did not inform me that they were sending this to debt collection i have called them again and they are happy with the arrangement i do not need any more stress any advice please
Looking for a Debt Management company? Over time i have accumulated large credit and personal loan debt that i am really hurting from today. In the past 6-12 months i have been making minimal payments on all the credit cards on time. The interest rates are high on the credit cards between 19-30%. I contacted serveral debt conslidation firms that told me that i would need to be late on my payments before they can help me. Can anyone recommed a non profit debt managment firm?
How do debt management companies help? I'm currently in a situation where I've collected more debt than I can manage and the interest payments are staggering. Besides telling me how I can better spend my money, I'm wondering how a debt management company could help me? I own a house. Would they somehow tie the debt into my mortgage payments? Basically - what can they do for me that the bank can't? Boss - why not spam less serious questions?
Does anyone know of a legitimate debt management/consolidation company? 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.
Need advice!!!!! Has anyone filed with a Debt Management company before.? I am thinking about signing up a with a debt management company because I am unable to pay my financial load very well. Has anyone ever heard of Xbankers out of Toronto? I am just wanting to know if if worth my time or time. Just need a little advice.
Is there a way to repair my credit rating quickly after having a debt company? I am now debt free but have been told that I will now NOT have a credit rating for 6 years as my accounts were defaulted after taking assistance from a debt management company but then paid off by my family? 1) Is this true? 2) Can anything be done to improve my credit rating? 3) What about these credit repair companies? Dare I ask about a mortgage??
does anyone know a reputable debt management company? had kensington finance on phone -seems ok but will be paying nearly 5,000 back to them for 20000 credit clearance.
Can debt management companies be trusted? I've been in a program for 10 months now. I've recently come into some money that will pay all these bill off. Now I'm a little conserned about sending a rather large check to the debt management company. They've been good in the past, paid what they said, but it just bothers me to send this much money to them. I wonder if I should pay the bills myself or let them do it. This is a once in a life time chance for me I can't screw it up.
Problems with Debt Management Company Called MidScot (PD)? Anybody experiencing problems with this debt management company taking money from bank accounts and not paying the creditors?
Someone must be able to think of a good debt management company name - im stuck? But i really do not want the word debt in the company name
Has anyone tried a debt management company? If so, who and how did you get on
Can anyone recommend a debt management company.I'm with Gregory Pennington at the moment.Is anyone else with Gregory Pennington on a debt management programme?Are they any good do you think.Trouble is G.P. charge fees.Theres so many debt management companys out there,such as Chilterns,Baines &Ernst,and many others,so it's confusing.One company I wouldnt recommend is Churchwood,they were terrible.Poor customer service.They were'nt helpful at all,so I changed to Gregory Pennington a few months back.Is anyone out there also with Gregory Pennington for a debt management plan,as I'd like to know what you think of them?Does anyone recommend anyone else?Is anyone doing debt management with The Citizens Advice Bureau or C.C.C.S. and can recommend either of them?Any advice please,as i've 17 creditors to pay off and its going to take ten years or more to clear yet,unless i ever won a large amount of money or had any inheritance left me
what is the law in scotland about a debt management company ringing me firstly saying he was a solicitor? i was rung out of the blue by a debt management company in scotland he firstly said he was a solicitor never asked any security questions when i explained the situation said he had never heard such a load of rubbish in all the years he had been involved in debt managements of the debt are charges by another firm of solicitors which is still in dispute as i took them to court they committed perjury which they sent me after the court case each and evey department of the bank have fouled up in certain ways making it look as if i was wrong the only thing i did wrong was agree to pay the debt off it has taken me approx 5 years but i have done it
How can you find out if a debt management company is legit? I have been in contact with a debt management company called DFH Finance, and i'm unsure if I should enter into an argreement with. Basically they have told me if i pay them £140 a month they will freeze all interest on my debts and it will be paid off in 3 years, a few things have worried me though, they sent me a form to fill out with all personal details on including bank details fair enough but then they called me and asked for them too and they also say that the first payment that i make has to be over the phone, is this normal practice. They have also asked for me to post this form first thing in the morning and get the post box code off the post box, I have not enter an argeement as yet, but does anyone have any ideas on how I could find out if this company is legit or not. I'am 21 and unsure about these things so any help anyone can give me would be great. Thanks
who is the best and cheapest debt management? Hi, i am looking for the cheapest and best debt management company, do you have any details please?
Who owns the collection agency and debt management companies? Can you tell me who owns and runs the collection agencies and debt management programs? Are they owned by the banks and credit card issuers?
Are there any good debt management companies out there? 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!
Are debt management companies worth the risks? Is is worth my time and effort to used a debt consolidation company? Are there any good companies? What are they? How will it affect my credit score?
Can you tell me about a debt management company name ECI? they told me they could lower my interest rate.? They claim this will not impact my credit score and that they negotiate with the card companies to lower my payments and interest. has anyone done this with out hurting their credit
Can my credit score improve after a debt management program? I signed up with a debt management company due to a large amount of credit card debt I accumulated.This was after I read that this can be equivalent to filing for bankruptcy? Is it really that bad? Now that I have focused on paying off debt (on time) and budgeting, I am hoping my credit score can greatly improve in spite of the debt mgmt program? I have since canceled the program and I'm paying the debt myself.Thanks. Please, no sarcastic "told you so" comments, I'm kicking myself enough as it is!
Hi. Can someone please help me find the best company to help me settle my debt? I have about 40K in credit card debt that I haven't paid in over a year. I want to settle it once and for all. I don't want to have to deal with collectors or lawyers. How can I get the best possible settlement? I want to pay them off and get on with my life. Is it true that debt management companies can reduce my debt to up to 50%? If so, who do you recommend?
Is it still better to pay off the debt myself or continue to work with debt consolidation company? I have accumulated a lot of credit card debt due to an illness and loss of employment. The amounts I was paying became so large that I couldn't afford to make the mimimum payments so I decided to seek a debt management company. This has been going on for a year, but I don't seem to be getting anywhere because the interest rates continue to climb on the accounts I'm not currently paying on.
Debt Management Company? Step by Step How to Manage Debt?
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