I Want to Consolidate My Credit Card Debt at a Good Interest Rate. – Roy

Roy

“Dear Steve,

Trying to consolidate debt. seems there is no real help unless you default im trying to get help before I get to that point. just want a fair deal…looking for 9 to 11 % interest rate for roughly 25,000 total debt( not including 20,000 left on two car payments)

I make a good salary now but it is hard to see the benefits of it when most extra money is just going to minimum payments on ridiculously high interest credit cards.I have a solid GOOD credit rating and payment history

Roy”

Dear Roy,

A true debt consolidation loan is impossible to come by without you putting up your home equity or something else as collateral.

A true debt consolidation loan often winds up digging a deeper hole latter on. What happens typically is after six months the card balances start to creep up again and before you know it you have a loan and high balances again.

I know, you’re saying that won’t happen to you. And that’s exactly what everyone else said also.

Keep hunting for a loan if you want. The scammers will have a new name for you, the mark. Someone will sell you a load of crap and tell you they can qualify you for a loan if you only pay an up-front fee. It’s a scam.

If you are just looking for lower interest rates and you are willing to have all your credit cards closed, investigate a debt management program. With $25,000 of debt your payment will be around $500 a month.

Last step, fill out the information below or call us for Priority Assistance.

What may we help you with? Select...Credit Card DebtCredit RepairStudent Loan DebtTax Debt

How much do you owe? Select...$1,000 - $5,000$5,000 - $8,000$8,000 - $10,000$10,000 - $15,000$15,000 - $20,000$20,000 - $30,000$30,000 - $40,000$40,000 - $50,000$50,000+

What is the status of your payments? Select...Current and/or just falling behindBehind Less than 6 monthsMore than 6 months behind

What type of student loans do you have? Select...FederalPrivateBothUncertain - I just need help

What is the status of your loans? Select...CurrentDeferredI'm behind less than 6 monthsI'm behind more than 6 months

What type of tax debt do you have? Select...StateFederalBoth

How many years have you owed taxes? Select...1 year (less than two years)2 - 3 years3 - 4 years4 or more years

Are you currently enrolled in a payment program with the IRS? Select...NoYes

What problems are you having with your report?

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