Debt Elimination Companies

What is the best debt counseling company? What is the best debt counseling company? I'm trying to help my friend get out of massive credit card debt. I need a good, reliable debt counseling company.

Debt counseling....? So I owe about 12000 in debt for credit cards, the accounts are in a debt consolation company which I'm paying about 400 a month to clear the debt, I recently came into $8000.00 and I want close the accounts and pay them all off. IS there a way I can negioate with the creditors to lower my balances since I'm paying it off?

Debt Counseling?? Would going through a Debt counceling service be better than going through an Accountant? If this person has very ugly credit and they want to get back on track with paying their bills and raising their score?

How badly will using debt counseling/credit card counseling hurt my credit? I am thinking about consolidating a lot of unsecured debt using a debt/credit card counseling service. How will use of that sort of service affect my credit rating long-term?

Where can I get books and other resources that can help me start a debt counseling service? I have experience in the finance industry including real estate, and credit analyzing. I just need some good sources that will give me info on starting a debt counseling service. Thank for all positive answers.

Can you refer me to a good debt counseling company? Can you refer me to a good debt counseling company? I have heard there are a lot of rip off debt consolidation companies out there, and I am just looking for one that maybe you have had a good experience with. If you could give me some suggestions, that would be great! Thank you!

How to Find Reputable Debt Counseling Services? Please let me know where and how to find reputable counseling debt services?I need help, please.

Has anyone taken online debt counseling course? Has anyone taken it through Cricket Debt Counseling ? At the end of the course, you're suppose to call and speak to one of their debt counselor. Just curious if anyone went through their company. How long are you expected on the phone and what kind of questions are asked?

How to Utilize Christian Debt Counseling? Can somebody please explain me how to utilize debt counseling?

does anyone know of a good non-profit debt counseling service? I am looking for a way to get a handle on my debt. I have explored a few different options, but my credit is too bad to get any type of loan. I just got a "quote" from a debt relief company to help resolve my issues, but I am a little wary because I have heard a lot of bad things about these companies. Is there anyone who is currently (or in the past) worked successfully with a non-profit debt counseling service? If so, who was it and how was your experience? Any other advice that can be offered is greatly appreciated.

can you get debt counseling even if you haven't made card payments in a year? I have about $8000 in CC debt and I have not been able in to make my payments in over a year due to lack of work and the amount of money I make. Can I still use a credit counseling service or would bankrupcy be the better choice? One of my CC is past collection and being taken to court, would counseling help or is bankrupcy the only choice?

Who is the best debt Counseling and debt consolidation services? We owe a debt for around 9000 from different credit card company, we already received a summoned letter from 1 company coming from an attorney, we want to pay it off on a monthly basis and include the remaining debt that we owe to the other credit card company ,which financial services company can help with our problem.

Should I sell my house, declare bankruptcy, or try debt counseling? I have been having some mental health issues for the last year and have been on short term disability twice. When I return to work in April I'm pretty sure I will be fired. My question is, I bought a house 3yrs ago I owe 104,000 and could probably sell for 140,000. After fees and repairs ect I would make 30,000 which would pay off my other debt. I could also let my other debt get behind and keep up on my house payments then declare banckruptcy. Could I keep my house then? I could probably get a less mentally taxing job that I could pay my mortgage with. Or should I try to go through one of those debt counseling places? I know I am still current with my bills right now, but this keeps me up at night. Oh, and I do have a friend I can stay with for a year if I sell my house.

What is worse for my credit? Debt Counseling or Bankruptcy? I have finished debt counseling now I am hearing reports that I was probably better off filing for bankruptcy. Any advice?

I have poor credit and am drounding in debt. Where is the best place to look for credit and debt counseling? I am just looking for a company that is dependable and trustworthy so that I can rebuild my credit and take care of prior bills. I have a family now and am looking to get a haouse in the near future so I need to get all of this taken care of immediatly any input on a reliable credit counseling company would be great thank you.

what should I be aware of when looking for a debt counseling service? I am already in enough debt and I don't want to make things worse. My husband has been out of work since Sept and there are no unemployment extensions.I don't make enough to cover all our debt and now the lenders I am involved with want to reposess the cars. I am threatened every day about having services turned off. HELP, I'm drowning

can anyone recommend an HONEST and LEGITIMATE debt counseling company? I am not looking to consolidate my debt. I am not looking to declare bankruptcy. I am interested in negotiating down my debt however.

How do I choose a reliable debt consolidation or debt counseling organizaion? You hear of so many scams out there. How do you know a reputable organization when you see therm? What are are the best options? A compay with a Christian foundation is preferred. Thanks

How does a debt counseling program effect your credit rating for the future? I'm in enrolled and was wondering how do creditors view being in a program?

Does anyone know the best company to use for debt counseling and credit card consolidation? I am looking for a good company to help us negotiate the rates on our cards that we used to start our business. And to hear from personal experience if this is a good way to go.

How can I find a good legitimate company for debt counseling? So many turn out to be scams, even some of the major ones that were recommended by the bank and creditors. Im just not sure where to turn to make sure I dont get one of the bad ones.

How do credit counseling / debt relief services make money? I see their ads all the time, offering to slash debt in half and such. While I applaud these services for what they are trying to do, somehow they have to make money, or they couldn't afford to run these ads. Where is the profit coming from. Appreciate the answers in advance, thanks!

What is a good debt counseling agency? I've heard that only the non-profits are worthwhile. Can anyone recommend one from personal experience?

Going to debt management/credit counseling. What are the best companies? I am going to go to a debt management program/credit counseling, it was the best alternative to avoid bankruptcy. What are the best companies that charge a low fee and that can get the best lower monthly payment?

Has anyone done credit counseling or debt reduction? I need information on what a good credit counseling or debt reduction company is, and if anyone has personal experience or recommendations.

How is it that if you go through debt counseling, your credit is cleaned up at the end? how do they do that and can a person do that on thier own?

Who offers free debt counseling that qualifies as a precursor to filing Chapter 7 bankruptcy in California? Looking for some help here, thanks.

are there any debt consolidations or debt counseling companies for payday advance loans? i've gotten myself in trouble with these places and can't seem to pay them off. i pay them every week that they are due, and i'm never late and have been with them a very long time. when i'm done paying them i hardly have anything left from my checks to pay anything else. are there any places out there that help with paying these things out. also my credits not that good either because i've tried getting loans to pay them off but always get turned down. does anyone have any advise to help me with this situation.

have you used debt consilidation or debt counseling? I owe about 10 to 11 thousand in credit, i have a motorcycle loan and some credit at kay that i only used for wedding rings, most of this comes from credit cards. I have a job which doesnt pay much and im not able to make some payments, i try to make payments on the more important things like the wedding rings and bike loan. I have just heard about this debt counsiling and was wondering if you have ever used them and how do they work.

Have you ever used credit counseling or a debt management plan? I'm thinking about using a credit counseling agency or debt repayment plan but I've heard a lot of conflicting information about them in my research. Do you have any personal experience with it? Would you recommend it? Thanks.

How to Credit Counseling Debt Consolidation Does Affect Your Credit? Does credit counseling actually affect my credit, please lt me know.

I need suggestions on the best debt counseling services available, free or fee based.? Before I have to file for bankruptcy or the bank forecloses on my home I would like to explore other options available.

will a debt counseling affect my credit report? I am going through a debt couseling service to consolidate my high interest credit cards, will this hurt my credit score?? Through this agency I can only have 1 open credit account -- which is fine, I am SICK of credit debt, but what about buying a vehicle?? WOuld I be able to get financing??

Anyone have any thoughts on credit counseling or debt relief companies? I am about 8 grand in debt, and need to pull myself out asap. Anyone have any ideas? Do debt counselors or debt relief companies really help?

Hows does debt counseling work? Does this give you bad credit? Can anyone recommend a reliable debt counseling service?

Where can I get good debt/ budget counseling in Canada? I am trying to help someone out who are currently in a financial mess. I am no accountant or anything I just have some basic knowledge on how to put together a budget and a few tricks I use myself to stay out of dodge. Their current situation is quite bad (I don't think bankruptcy bad, but darn close) I can't help them that much but I need suggestions on who can.

Chapter 7 vs credit/debt counseling? Due to circumstances beyond my control, my personal finances have gotten out of hand. I am now in the position of either having to file Bkrpt, which I qualify for, or pay my creditors through a credit counseling service. After a divorce, my home was sold (no equity), and at the time I was unemployed. I am now employed and renting a tiny house but hoping in the not real distant future to purchase one. I am trying to get my financial affairs in order, but the payments to these creditors are far more than I can afford without going through credit counseling. If I pay them through counseling, it will take several years to pay off my debts. If I file bankruptcy, it will remain on my file for 10 years, but I'll be able to buy a home, albeit with an astronomical interest rate. Any advice?

How can I become certified in debt counseling?

Can anyone recommend a credit counseling/debt management program? Please provide me a URL so I can check them out.

I need a good debt counseling company to consolidate my debt. Any good ones out there to many to choose from.?

What is a good credit counseling or debt management agency? I am only 20 years old, I have 4 collections (that I know of) and all of my bills are at least 6 months behind. I have over $10,000 in student loans (but I'm still going to school). Which company would be the best for me?

Credit Cards and Debt Counseling Services? I am no longer able to make the minimum payments on my credit cards because I lost my job. I found a temporary job, but I am making half what I was before. Plus, I don't know where I will wind up when the temp job expires. Are debt counseling services a good idea to try or do most people who find that they are in over their head file for bankruptcy. I see most charge a monthly fee for a debt plan. My credit card debt is around $18,000.

best debt counseling services? I have about $12,000 in credit card debt that is way overdue. What is the best debt counseling service who can help me pay off this debt? My current income is unstable.

How to get out of debt without doing counseling? 5000 dollars in debt? how can i get out without having to go somewhere? what could i sell? how long would it take to get out??? PLEASE HELP!

Does being in a debt counseling program help or hurt your credit rating?

Can a credit counseling service help me with credit card debt or hurt me? We have 3 credit cards, all maxed to and over the limit. I am consulting a credit counseling service but my husband doesn't want it to ruin our credit. I personally think it will get us out of debt A LOT quicker and we're not filing bankruptcy. It may give us a blemish on our credit. But I think it's worth it.

How Does Consumer Credit Counseling or Debt Affect Credit Rating? I need to know how actually consumer credit counseling actually affect my credit rating.Please let me know

Who knows of a good company that they personally have used for consumer credit counseling or debt consolidate? I would like personal experiences only, no sales pitches or heresay. Thanks! Ok...So I got an answer of Consumer counseling...where do you go to get this? can someone give me a link?

What are the cons of using a debt consolidation/credit counseling service? Do these services negatively effect your credit? If so, for how long? Are there any major pros to these services?

Has anyone had a good experience with debt consolidation/credit counseling? I am not referring to a consolidation loan, I am refer to the services that take your bills and lump them into one monthly sum. If you have had a good experience, which company did you use?

Can you refer me to a good debt counseling company? Can you refer me to a good debt counseling company? I have heard there are a lot of rip off debt consolidation companies out there, and I am just looking for one that maybe you have had a good experience with. If you could give me some suggestions, that would be great! Thank you!

Entering into credit counseling with a debt management program? I am entering into a debt management program with a credit counseling company. I have about $17500 in debt & my payment with the company would be about $400 a month. My question is, would creditors be willing to accept 1/2 of the minimum balance that is due usually...I have 3 cards I'm in debt with...one is $285/month, $185/month, $165/month. I'm already 2 payments behind with 2 of the cards. Would the credit card companies accept a personal offer of 1/2 the usual minimum for a certain time frame? So I'd offer them $142.50, $92.50, $82.50. Or since I'm already behind on payments should I stick with the debt management program (I just signed on with them & have to make my first payment on 9/28) & wait until I've been in the program a few months & then try to talk personally to my creditors & see what I can offer at that time??

What is the best way to deal with credit card debt? Consolidate or Credit counseling company? Just had a major surgery and racked up some major credit card debt while being out of work. Just looking to see where I could start now that I am going back to work.

How come most of the ads on the Rush Limbaugh show are for credit counseling and debt renegotiation?

What's the difference between debt settlement and Credit Counseling? in terms of credit reporting I know they both try to achieve one thing, that's paying off your debt ..

What is the difference between Debt Consolidation and Credit Counseling? I have a place in mind that does debt consolidation but charges a $40 fee. They also do credit counseling (which I don't need.) I just need to lower my monthly payments because of high interest. I don't want a service like credit conseling to effect my credit score. Any response would be appreciated. I definately don't need any credit counseling as much of my debt was accrued through phenomenal interest. I just want to have one payment a month with the lowest possible interest.

8k in debt is a credit counseling service a good idea? Ok I am 8k in debt and CCC said they will do all the legwork and just charge me $10 a month to pay the debts. How do creditors look at this and is it a good idea?

Is bankruptcy a good option if I'm deep in debt? Or is credit counseling a better option? I Owe roughly $30k in credit card debt and I'm not sure which path to take.

People who have been in debt counseling programs!!!!!!!!!!!!!!? This is for people who have been in and have completed a debt counseling program only!!!! How was your credit after the program? Your score? Ability to get credit? How long after the program was your credit in good standing?

I am overextended in credit card debt and considering a credit counseling agency.Can anyone recommend one? Can anyone suggest an honest,free not for profit credit counseling agency that they have used and liked?

I'm like 10G's in debt, what is a good credit counseling company? I was young and stupid and got myself in debt, i haven't paid it off because i was unemployed. I currently got myself a part time job and want to start to fix my credit. Does credit counseling really work, and what company's are good one's?

I have bad credit and a lot of debt what companies can help me get out of debt? Should I do credit counseling? My husband just lost his job and we have three kids, I am afraid things are going to get worse before they get better. We were just starting to get out of debt. Is the companies that can help us now?

Has anyone used Federated Financial Counseling Services, Corp (out of Florida) to help with Debt Consolidation Has anyone used Federated Financial Counseling Services, Corp (out of Florida) to help with Debt Consolidation? They are based in Deerfield Beach-Florida. Are they a good company to work with? Are the reputable & trust-worthy? I've tried dealing with my creditors, but they can't help me.

Has anyone dealt with Bloomberg Solomon & Associates credit & debt counseling?

Should I file bankruptcy or do debt counseling?

What is a good credit counseling company/program? What about debt free? I am about $5,000.00 in debt, it doesn't sound like a whole lot compared to some, but with my income the minimum payments are hard for me to pay. What about debt free?

Best debt counseling companies? I have roughly $12,000 worth of credit card debt and am looking to pay it off in 3-4 years(by the time I retire). I have 14 different credit cards, many of which are past due. I have thought about figuring out a plan to get out of debt myself, but that seems too daunting. So I am looking for the best legit companies that would help me pay off my debt. Any suggestions?

3 Questions: Debt Counseling & Credit Report? How long after my debt has been paid will the creditor remain on my credit report? Will it automatically update to being current and paid? How long will the phrase, "managed by a consumer credit agency" appear on my credit report after my debt has been paid thru a debt counseling program?

secured debt and credit counseling services? Are there credit counseling services that will assist me with my secured debt? I have personal loans that are secured with household goods and automobile loans that are for atvs. Please help...I am just about at my witts end. And I have been doing the Dave Ramsey envelope system for about 6 months now. I have a better understanding of my money but still am in a hole that has no end. Please held.

do credit counseling agencies (debt reduction) really work? i have over $20,000 in credit card debt. i pay everything on time but the balances don't seem to be going down.

Debt Counseling Corp? I have a question about consolidating my debts. I have a friend who used Debt Counseling Corp to do this and has been doing really well. (the website is www.DebtCounselingCorp.org) They send her great info and really seem to be doing a great job. I wanted to see if anyone has any experience with them. Please don't respoond with telling me about other company's. I would like to hear of other experiences with them specifically. Thanks! Thank you for your input--but it is not a settlement company like you mentioned--those are soooo bad for your credit. This company works directly with the creditors. My friend gets her statements every month and sees the lowered interest and that the payments are being applied. One of you mention that you did settle--I am not sure if you are aware, but those company's that settle--they dont tell you that come tax time, you will get a tax form to claim that money as income --the money that they "saved" you. I would NEVER go with them.