Will someone tell me a good debt consolidation company?
Question:
Answer:
Bad credit is one of the worst problems to have... however there exists a solution.
I will hereby talk from my personal experience.
I did debt consolidation a couple of years ago, however If I had to do it again I would pay to some minor details,
if someone wants to get out of debt today it is pretty easy with a debt consolidation plan, however it may get a bit tricky at times, I suggest you get as much information as possible online on this first,
a good place to start in my humble opinion is a straight to the point ebook with question and answer I found :
http://umgarticles.atspace.com/debt-cons...
if it helps kindly remember me in your voting!.. cheers!
Try going local first. There are usually places called "Consumer Credit Counseling" that are free to very low fee in your area that are best suited for this.
go to www.adviceontime.com and read their article on credit. This will help you not get scammed, a lot of debt consolidation companies are a bunch of scammers.
Check the state you live in and see if it offers a "128 filling" Amortization of debts. It is NOT a bankruptcy. You can file for about $75 with an attorney. They file court documents that you are volunteering paying your debts through a court appointed trustee (who will later send you statements of what was paid). It stops interest from accruing, nothing will go to collections, and all collections on your credit report can be listed as "paying as agreed". You do have to pay directly from your paycheck. Divide the total amount by 3 years and you can come up with what your payments will be every 2 weeks. You may add or subtract accounts within those three years as well.
Hello,
This is Mr Terry Ballack.I am a legitimate loan lender who gives out loan at a very low interest rate of 3%.Are you financially down?Do you want to pay up your bills?Do you have a very low credit score and you do not have a job.Come today and apply for a loan for a minimum duration of 12 months and a maximum of 14 years.I do give out loans from the range of $3,000 to $10 million dollars.I will be expecting your mail oon with the amount of loan you need so that my loan terms and condition can be emailed to you.Contact me via email at terryballacklender01@yahoo.com or better still at terryballack@myway.com
Thanks for your understanding.
Mr Terry
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