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Tag Archives: credit counseling

How Can I Find a Good Credit Counseling Company? – Landi

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“Dear Steve, Hello. I seem to have gotten myself deep in debt. I don’t want to file bankruptcy. Is there a good credit counseling, debt relief company/group that can help me lower payment or cut my debt. I have heard most freeze your accounts and it shows up on your credit. Thanks for your help. Landi” The Answer Dear Landi, ... Read More »

    Get Out of Debt

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    Struggling to get out of debt ? If so, you aren't alone. Millions of Americans are drowning in debt. They are overextended to the point of filing bankruptcy or losing their home to foreclosure Read More »

      How to Avoid Filling for Bankruptcy – WLNS

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      How to Avoid Filling for Bankruptcy WLNS, MI - 10 hours ago By Lisa Smith Filing for bankruptcy is often viewed as a quick and easy way to get out of debt . While it will make some of your debts go away, US residents ... Read More »

        Karen Writes In. “My Interest Rates Are Going Up. My Minimum Payments Are Going Up. Help!”

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        Karen “Dear Steve, Have a lot of credit card debt – struggling to keep my head above water. Interest rates are going up, minimum payments are going up, and I am falling behind. which causes the rates a payments to keep going up and my credit score to go down. What is the best way to negotiate lower payments and ... Read More »

          Ben Wants To Know, “Will I Ever Get My Life Back After Bankruptcy?”

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          Ben wrote in through the GetOutofDebt.org site and asked for help and advice. “Dear Steve, At times I feel like my life is over. This year I did something I never thought I’d ever do, I went bankrupt. I was raised to pay my bills and I’ve always done that, but last year my overtime go cut and we were ... Read More »

            The Financial Safety Net for People in Trouble. The Great American Lie.

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            I suppose that it is the result of years of helping people in financial trouble and the ability to have seen way behind the curtain of how things work, but I’ve got to be honest, I’m not very proud of America when it comes to providing real solutions to help people deal with bad debt situations. Banks and lobbyists have ... Read More »

              How You Can Get Out of Debt Fast Without Filing Bankruptcy

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              So there’s this guy, Scott, who has developed an ultimate guide to getting out of debt. Sure, I’m as skeptical as the next guy but after looking over the information I was left with a problem, it looked pretty good. His information page actually contains a bunch of information that you don’t normally see which led me to believe that ... Read More »

                Credit Counseling Seen as Little Help in Bankruptcies

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                Counseling seen as little help in bankruptcies Columbus Dispatch, OH - 4 hours ago Transferring credit-card debt to a card with a zero percent interest rate offer, for example, is nearly impossible for someone with delinquent payments. ... Read More »

                  Is Money Management International a Legitimate Debt Consolidation Company? – Jim

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                  “Dear Steve, I have $70,000 in credit card debt, irregular income, paying for son’s college education, current with all my creditors so no calls to date Is money management international legitimate? i have communicated with a few debt colsolidation companies, have read all sorts of complaints on various blogs of these firms, as they did not deliver what they stated. ... Read More »

                    Is Debt Management and Credit Counseling An Effective Way Out Of Debt?

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                    So many, too many reporters and writers recommend debt management programs and nonprofit credit counseling as a way to get out of debt, but why? I’m afraid the answer is that they always have and suggesting a nonprofit credit counseling solution seems harmless and better than offering the alternative, no real solutions. The credit counseling industry, it is an industry ... Read More »

                      We Are Concerned About the Complaints Against CCCS. – Andrea

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                      “Dear Steve, We are on the verge of signing a contract with CCCS (Money Management Itl) but the complaints against them are not good! We currently do not own a home, but are making fairly large payments on 2 cars and have almost $40,000 in cc debt…not to mention 2 student loans totally about $25,000 that are in forebearance. My ... Read More »

                        My Boyfriend Has $20,000 in Credit Card Debt on 8 Cards. – Kathryn

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                        Kathryn “Dear Steve, My boyfriend has $20,000 in credit card debt on a total of 8 credit cards. He was able to pay his minimum payments & a little extra, as he had been trying to do the debt snowball elimination method. Recently Chase bought out a couple of the companies he has credit cards with and now his minimum ... Read More »

                          Shane is Out of Work, Out of Money and Out of Time

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                          Shane “Dear Steve, I lost job January 3, 2008 and now have $30,000 in card debt plus $30,000 in personal loans. Should i use debt settlemant company? I know bankruptcy is bad. Shane” The Answer   Dear Shane, While you want to shed your debt, I don’t think there is any reasonable expectation that you would be able to do ... Read More »

                            Bad Credit Debt Consolidation – Brutally Honest Advice

                            Bad Credit Debt Consolidation Loan Scam

                            I could not help but notice the huge numbers of people searching for information for bad credit debt consolidation information. The phrase is almost an invitation for a bad outcome or maybe just an oxymoron. When you have bad credit it is not an invitation for a debt consolidation loan from a debt consolidation firm. People that lend money are ... Read More »

                              Fewer Than Ten Percent Get Out of Debt With Credit Counseling or Debt Settlement Companies

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                              I previously wrote an article The Truth About The Failure Rates and Completion Rates of Credit Counseling, Debt Settlement, and Bankruptcy. Some people scoffed at my findings and said they could not possibly be true, but they are. Fewer than 10 percent of consumers completed their agreements with Colorado debt-settlement and credit-counseling companies, by either paying off or settling all ... Read More »

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