How can I negotiate with a credit card company and get the same type of terms that a consumer credit counseling for fee service might get?

Five years after I lost my job, I find myself with $70k in consumer debt. I am paying approx. $2000 per month and am tracking and forcasting. My debt has changed very little in the eight months tracking due to some high interest rates. I have considered bankruptcy but want to try to dig out …

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DIY Credit Counseling. You Can Do It.

Facing money troubles and thinking about reaching out to a credit counseling program? It might be possible to create a DIY credit counseling program yourself. Credit counseling repayment programs are called debt management plans (DMP). A DIY DMP is completely within your grasp. In order to help you put together a repayment strategy I’m going …

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