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Posts Tagged ‘cards’

What is the best way to consolidate debt?

September 4th, 2010 | Author: Admin

I have a lot of credit card debt. We are now starting to pay them off, but the apr’s are so high (29.99%) it’s hard to even see it drop. I do not have a house to use as equity. Have never filed for bankruptcy or anything like that. We just have a very high debt to income ratio. Credit score is well below 700 as well. What is the best option to consolidate the cards to one lower apr? I cannot get new cards either, so that is out of the question.

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Posted in Debt Consolidation | Tags: bankruptcy, cards, credit card debt, credit score, debt to income ratio | 2 Comments »

Consolidating Credit Card Debt?

August 26th, 2010 | Author: Admin

I am interested in consolidating my credit card debt. Would it be best to use another low/no interest credit card or a personal loan?

Also, would it be best, once these cards are empty, to cut them up and/or cancel them? What would be best for my FICO score?

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Posted in Debt Consolidation | Tags: cards, credit card debt, fico score, interest credit card, personal loan | 3 Comments »

Credit Card Debt Information : How to Consolidate Credit Card Bills

August 19th, 2010 | Author: Admin

To consolidate credit card bills, get a loan from someone to pay off the cards in one lump sum, or shuffle the debt to a low-interest credit card. Avoid credit consolidation agencies that work for banks or credit card companies with advice from theowner of a debt settlement company in this free video on credit cards. Expert: Peter Repak Contact: www.ClearFinancialCompany.com Bio: Peter Repak has been in the debt settlement business for over half a decade. He and his wife founded the Clear Financial Company. Filmmaker: Christopher Rokosz

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Posted in Credit Card Debt Consolidation | Tags: card, cards, companies, credit, debt, finances, management, payments, personal, reports, scores | 1 Comment »

What ideas do you have for someone in a bad debt situation?

August 17th, 2010 | Author: Admin

Probably cant get a loan to pay them off because of my bad credit? My mom has good credit and might help me out though. Still wouldnt even know where to start.

My cards are in horrible standing. At this point they are all closed accounts. They want their money in full (or a settled amount). I have a better job now and I can afford to pay 250 a month towards this.

Any debt consolidation ideas; loan ideas; debt-relief programs??!?!?!

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Posted in Bad Debt Consolidation | Tags: bad credit, cards, Debt Consolidation, debt relief, job, mom, money, relief programs | 7 Comments »

Dave Ramsey – Credit Card/Debt Collectors are SCUM

August 15th, 2010 | Author: Admin

My hero, Dave Ramsey, tells of abusive practices and the violation of Federal law incorporated by debt collectors – particularly credit card debt collectors. Most people do not know that they have rights guaranteed to them by the Fair Debt Collection Practices Act (FDCPA) and debt collectors knowingly and habitually break these laws in order to frighten them into paying. IT IS NOT AGAINST THE LAW TO OWE MONEY! Do not allow yourself to be lied to (example: “You’re going to go to jail if you don’t pay this” is one of their favorites!) or treated without the dignity you deserve. KNOW YOUR RIGHTS UNDER THE FDCPA: Collectors can NOT call you before 8 am or after 9 pm Collectors can NOT threaten to have you arrested or charged with a crime if you dont pay Collectors can NOT continue to call after you have indicated you want them to stop (record your conversation with them, tell them you ARE recording it, write the date and time down in a journal, and follow up with a certified letter stating they may no longer call.) Collectors can NOT call friends, family members or colleagues repeatedly in order to get you to pay (they may call your acquaintances ONCE in order to track you down and may NOT mention that you owe money or give ANY information that would lead someone to believe that they are attempting to collect a debt.) For more information on your rights under the FDCPA, please visit my website at www.myarrp.com (click on the “Help With Credit” link at the top.) To the scum …

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Posted in Credit Card Debt Consolidation | Tags: Act, Advocate, America, American, assistance, Bank, cards, collection, collections, collectors, Consumer, credit, Dave, debt, Discover, Electric, Express, Fair, Fargo, GEMB, General, help, MBNA, money, of, Penney, Practices, Ramsey, Scum, Sears, wachovia, Wells | 25 Comments »

Debt Consolidation & Management : About Credit Card Debt

August 11th, 2010 | Author: Admin

Credit card debt can be very harmful to somebody, so it’s important to examine all options before using credit cards for the first time. Find out how credit card debt can be beneficial to a business owner withhelp from the owner of a debt negotiation company in this free video on debt and money management. Expert: Peter Repak Contact: www.ClearFinancialCompany.com Bio: Peter Repak has been in the debt settlement business for over half a decade. He and his wife founded the Clear Financial Company. Filmmaker: Christopher Rokosz

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Posted in Credit Card Debt Consolidation | Tags: advice, budgets, card, cards, consolidation, credit, debt, finance, Financial, help, history, management, money, personal, ratings | No Comments »

Debt Management Credit Counseling Corp

August 8th, 2010 | Author: Admin

DMCC featured on Close-Up TV NEWS

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Posted in Credit Card Debt Consolidation | Tags: Budgeting, cards, consolidation, credit, debt, finances, Identity, mortgages, non, profit, scores, Theft | 6 Comments »

Is debt consolidation as bad as a collection?

August 5th, 2010 | Author: Admin

I am ,000 in debt(4 different cards), with interest rates as high as 30%..If I continue to pay even just the minimum payments, I am going to be broke. I have never had a 30 day late payment, and can’t stand the thought of it. I do have an auto loan on my credit report, that will not default. Even with credit collections, will having that current account help? I am 21, so i know it will all be gone by the time I am trying to buy a house, etc. But I am worried I won’t be able to get an apartment, another car loan, etc. Should i turn to credit consolidation or debt settlement? Or would that be just as bad as letting the accounts charge off? Any suggestions?

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Posted in Bad Debt Consolidation | Tags: apartment, auto loan, car loan, cards, credit collections, credit consolidation, credit report, current account, Debt Settlement, interest rates, minimum payments | 2 Comments »

Credit Card Debt Consolidation Loan Pitfall

August 2nd, 2010 | Author: Admin

www.debtconsolidationupdates.com The credit card debt consolidation loan is the most badly abused phrase ever used in the financial world.

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Posted in Credit Card Debt Consolidation | Tags: accounts, card, cards, company, consolidation, credit, debt, debts, Loan, payments | No Comments »

Avoiding Credit Card Debt Tips for College Students

July 26th, 2010 | Author: Admin

Credit card companies are marketing to college students on campus and social networking sites. US News associate editor, Kimberly Palmer, examines the pitfalls of credit cards and ways to avoid credit card debt. Read the full US News article at www.usnews.com

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Posted in Credit Card Debt Consolidation | Tags: advice, campus, cards, College, credit, debt, Marketing, news, Report, student, tips, us, World | 3 Comments »