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I am in the process of paying down my credit cards. I have four cards and currently they all about 90% maxed out. If i have them all below 30% in Novemeber. How long should i wait to apply for a loan to get cheapest rate? Also, I recently opened two new accounts about 3 months old. How long before they will show a positive look on my credit score? Because i read somewhere that opening new accounts has a negative affect on credit at first.
Let me clarify on these four accounts, 2 of the 4 are new accounts.

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Categories : cheap loan
Comments (5)
debt consolidation

Chase filed a law suit against my husband for a delinquent credit card. He never had to go to court but they (the law firm) wanted $300/mt until the card was paid off. We’re still paying on it and it’s a huge budget buster! We only have a few other outstanding/low amount bills. I was wondering if debt consolidation companies would consolidate this Chase bill as well so we can get these people out of our lives!

Repossession
Categories : debt consolidation
Comments (3)
debt consolidation

I have two credit cards that I have used over 5 years ago and never paid back. The total of the two cards FIVE YEARS AGO was $1000. Of course, by now, it should be close to $3000 because of all the interests.

What does debt consolidation do? More importantly, can it REALLY remove or reduce the interest that built up over the last 5 years?

When doing a search for debt consolidation services, I get THOUSANDS of results. Which debt consolidation services are better?

Detailed answers would be appreciated.
Update: Am I correct to assume that if I leave the debt as it is, I can have it completely wiped off my credit card two years from now as if it never happened?

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Categories : debt consolidation
Comments (3)
debt consolidation

I have about five to six unsecured debts [no credit cards] that i need to consolidate and make one payment or like. Bankruptcy is not an option for me. The total is around $10K. I am not interested in debt consolidation agencies, so far the ones i have talked to, i know more what to do than them…I can make monthly payments toward the debt and also pay reasonable fees and/or % of satisfactory arrangements. Anyone knows a serious, good attorney in the areas that i can contact for a free consultation. Thank you
Mr Gerald, with replies like yours no wonder you have so many answers….I am retired, disabled, soc sec, and yes i still work, as allowed…so your easy out is poor at best….thanks

Quick House Sale
Categories : debt consolidation
Comments (4)
debt consolidation

$40,000 in debt with 4 credit cards, I have great credit and pay on time. Recently cc’s raised interest from 7.9 to 23% because they said too, much debt ratio. If I use consolidation will that affect credit and do they charge and are they just doing what I could do (like search for other credit cards with lower rates?)

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Categories : debt consolidation
Comments (5)
debt consolidation company

I need to Consolidate a loan and a few credit cards. Whats the best Consolidation Company Out There?

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Categories : debt consolidation
Comments (1)
debt consolidation

What is the benefit of using debt consolidation for credit card debt? I am trying to decide to either call the credit card companies myself and negotiate for a lower payoff/settlement amount, or to use a debt consolidation company? If I negotiate with the credit cards directly, will that be considered a charge off? I would want to settle myself if I can to avoid paying all the months of high interest. But if I use debt consolidation, then they will charge me a fee every month for so many years? What is their purpose? What would be the best route to go financially?

Rent Back
Categories : debt consolidation
Comments (3)
personal loan

My friend was discharged some 4 years ago. Is it possible for her to take a personal loan? Will getting rid of credit cards be feasible or a bad idea?

Real Estate Professionals
Categories : personal loan
Comments (6)
personal loan

I’ve been thinking about taking out a small personal loan to pay off my 3 credit cards and my 2 department store cards. do you think it’s a good idea to do so? would it just be wise to continue paying off my credit cards monthly? it’s just a thought that came in my head and was just wondering if anyone else has ever taken out a personal loan to do so.

Quick Property Sale
Categories : personal loan
Comments (6)
debt consolidation

I have over $88K in credit cards. I went to debt consolidation program and my FICO score went high. My only problem, payment based on 5 years so my monthly payment so high. Do anyone know if someone can do debt conolidation but payments will be for 10 years? I don’t have any equity in my home to refinance

Quick Property Sale
Categories : debt consolidation
Comments (2)

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