eyellnevrtell asked:


I have two credit cards that have about $8,000 in debt between them. I am serious about paying them both off, and pretty much will go as far as starving to get it done. It would just be so much cheaper and easier if this was one bill instead of two. I have played the balance transfer game, but at this point it seems like adding another bill would be more problematic than consolidating. I just don’t know how to do it or who to trust.

Is there any downside to consolidation?

Jeff asked:


I had good credit, but I purchased a new motorcycle, and unlike a bank load when you purchase a car, they gave me a credit card with a high enough limit to buy the bike (in my case $9800). It’s down to about $8800 and I have about one year left at 6.9% APR before it sky-rockets. I also have two credit cards, one with about $1800 at 24% APR and the other with $2800 currently 0% APR.

I would like to combine all my debt and keep the APR down.

Anyone had good experiance with any debt consolidation companys?
I meant bank loan not load.

SerasVae85 asked:


I have good/poor credit and most of the loan sites I’ve tried deny my loan application. I’m looking for any suggestions anyone might have.
I have roughly $2,000 in credit card debt that I am looking to consolidate. Thank you.

Copper fury asked:


If you have under 15,000 worth of debt, but only collect sickness money every month to pay the bills? How much might the monthly payment be after they consolidate ? Will a debt consolidation company help a client of this description ?

purodreamer asked:


I am planning to sign up for Care One debt relief services to help me consolidate my CC debt. Do you think this will actually work? will this affect my credit rating? Does anyone have an opinion about this company and their services. I was reading their blog and for the most part it sounds like it really works but I’m trying to search for more answers.
Thank you in advance for any suggestions or feedback.

mony ou asked:


I have 4 credit cards with approx. $25,000.00 worth of debt on them. I would like to get ahold of a non-profit debt counseling service in order to get rid of the high interest rates and pay them off alot sooner instead of only paying the interest and the over the limit fees. I have not used these cards for the past 5-6 years and the accounts are closed except for me making payments on them. I am not even touching the actual principal that I owe, although, I have probably paid enough on these cards to have actually paid off the actual principal. How is the best way to do this and what are some reputalbe non-profit agencies that will help achieve this? I have also heard that some credit cards will take a settlement on some accounts. Is this a good idea and how much of the amount owed do they usually want? I realize that this may hurt my credit rating but to be honest with you it isn’t worth squat now, so what is the difference? Does the debt consolidation hurt your credit as well?

kattyoxoxo asked:


Need to consolidate my debt and have a lower monthly payment. Please advise.

barefootbabee asked:


My wonderful , but obviously money happy boyfriend has accumulated around $13k in credit card debt. He has 4-5 credit cards, one with a balance of $7k. He does not own a house. We tried the bank where he has his truck loan through, but he cannot get a loan because he has no collateral. What can he do now? We want to start moving in the direction of marriage and a family, but not with this looming over us. What is the best way to resolve this issue?

dg2c asked:

I want to consolidate my debt. How much can I expect to save an how high should the fees be? I don’t want to pay the coucillor just to find out he is pocketing the money.

kit asked:

I signed up for Care one debt consolidation and I failed to make a payment because I am overdrawn on my checking account. I feel that this company shouldn’t have called me at all about the drp program because I have no assets.So, how can I get rid of debt and does anyone here know another debt mangement program company they use?