Ask The Get Out of Debt Experts • Credit Counseling

Should I Try a Credit Counseling Program or Negotiate My Debt? – Vern

11 years ago

“Dear Steve,

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I OWE ABOUT 20 K TO THREE DIFFERANT CARD COMPANIES. SHOULD I TRY A DEBT COUNSELING COMPANY OR CAN I NAGOTIATE MYSELF WITH THE COMPANIES OR WILL THEY REALLY LOWER MY DEBT.

VERN”

Dear Vern,

Yes. Seriously, it really depends on if you can afford to repay your debt. If you can’t check out bankruptcy. If you can afford at least your regular minimum payment, click here for credit counseling information.

Bottom line, Vern, you need to accept some responsibility for checking out all your options to be able to make an informed decision about what will be the best path for you.

 Sincerly,
 Steve

You are not alone. I'm here to help. There is no need to suffer in silence. We can get through this. Tomorrow can be better than today. Don't give up.