Comments on: Where can I go to get free debt consolidation?

By: Charlisa O

Charlisa O — Tue, 30 Dec 2008 16:39:40 +0000

Consumer Credit Counselors

By: ladyjan

ladyjan — Sun, 28 Dec 2008 18:50:42 +0000

There are lot of places you can go also look on the enter net

By: NewDietMountainDewSUCKS!

NewDietMountainDewSUCKS! — Thu, 25 Dec 2008 14:10:29 +0000

Go to nfcc.org, the National Foundation for Credit Counseling. It is the only body that can give you legitimate organizations, not the scam places that LOOK legit until you get buried under their fees and paperwork.

By: mary c

mary c — Mon, 22 Dec 2008 05:24:26 +0000

trty luthren social services this really helped me out alot

By: legal help

legal help — Sat, 20 Dec 2008 10:14:23 +0000

leave the debt counseling alone, they will ***** you over, also stop spending immed. buy only what you need not what you want, also, maybe you could sell some items and only keep what you need to live, it has been done before, a couple was in debt and they sold their house and every thing in it right down to the linens, they rented a small apartment for a while bought used furniture from goodwill, did not have cable TV nor internet and used a payphonr for emergcy only, before long they paid of their debt and were able to purchase a new home and pay cash for new furnishings or take advantage of layaways, if that is too much of a sacrifice or you are so deep in debt you may want to consult an attorney to inquire about bankruptcy, however in some states chapter 7 bank. is no longer allowed or should i say is treated now like a chapter13, chap 7 was when you could pay an attn.1200 to 1500 and they file all the papers and the debt is considered done and forgotten, (except it is on your credit for 7 years) chapter 13 is where you pay an attn. 100 to 200 to start papers and they set up pyment to a trustee that pays all your disposable income to creditors for 3 to 5 years , if debt is not all paid off in 5 years it dosnt matter, it is done and over with (except on file for 7 years) disposable income is determined after all basic daily living expences are deducted, such as rent food clothing gas toiletries cleaning supplies even entertainment, so you may have a tight budget but but you will get on without creditors bothering you and no more interest charges, you must also surrender your income tax return during the time you are in bankruptcy, however if your car breaks down and you need a new one to get back and forth to work you can subpoena the trustee to stop garnishment for a time while you get a new car or subpoena to keep your tax return to purchase a car or repair it, its hold true for the same should your home need new plumbing or roof needs fixin….. good luck

By: Extrasquare

Extrasquare — Thu, 18 Dec 2008 01:00:14 +0000

hi buddy. let me tell you what you need. get a smaller car. get a smaller place. get an extra source of income. of all the money you have at the end of the week, save 10% and put the rest on your higest rate credit card, while paying the minimum on the other debt.
remember this: “if it promesses you to be out of debt easily in a few months, it is lying to you”
it is hard but you can do it. good luck

By: jititi j

jititi j — Tue, 16 Dec 2008 16:39:30 +0000

chk

Ways to Consolidate Debt