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Or is bankruptcy the only option? We dont want to do that but is there a debt reduction company we can use to get those bills paid off instead? Thanks in advance.
Im pretty sure to qualify for any service you have to have more than $5,000 in debt.
Learn about debt reduction services, debt relief services, debt reduction and credit card debt relief. www.christianet.com
I've heard positive and negative stories about people using them to help reduce credit card debt. Looking for good examples of help.
i would not use one -- i would work the problem out myself by downsizing my life style and just work throught the debt!!!
I have credit card debt that needs to be reduced.
try http://homegear.com/r/?q=23126094&r=887
It will look very bad. But when you finish paying with some services they report that you paid as agreed but NOT until you have finished the service.
I see a lot of advertisement from companies that claim they can reduce your credit card debt by 40% to 60%. What is the down side to using them? If they are successfull does it effect your credit rating? What do they charge? What must your situation be for them to be able to be successfull, Broke?
Debt-settlement companies promise that you can get out of your debts for pennies on the dollar. Typically, these outfits demand that you stop paying your creditors and instead send the money to them. After a few months, the debt-settlement company promises to open negotiations with your lenders and use the money you've sent to pay them.
The idea is that after a few months of not getting paid, your creditors will agree to a fraction of what they're owed.
Of course, your credit will be trashed at this point, you'll have paid fat fees to the debt-settlement company, and you may be facing lawsuits from your lenders. That's if you're lucky. If you're not, you'll risk all this, and the debt-settlement company will disappear with your money. If you need more details, read "Debt settlement: A costly escape."
Better alternatives include:
* Credit counselling. Legitimate credit counsellors have debt-management plans that reduce or eliminate the interest rates on your credit card debt.
* Bankruptcy. If you can't pay your debts, you may be better off getting a fresh start through bankruptcy. Your credit rating may recover more quickly, and you'll be able to keep the cash you would have otherwise sent to the debt-settlement company. Consult an experienced bankruptcy attorney who can evaluate your situation and discuss your options
Hello, I am thinking of using Debt Reduction Services, (that is the actual company name) to reduce my credit card debt. Has anyone ever used them? Also, when you do use a non-profit agency to get your credit cards under control. How bad is it that you have to close your credit cards? Thank you very much.
Always check out a company through the Better Business Bureau: http://search.bbb.org/
For a nonprofit, use one listed with the NFCC or AICCCA: http://www.debtadvice.org/takethefirststep/locator.html
http://www.aiccca.org/
For self-help guidance, consult the debt articles on Bankrate.com. All the advice is free. Good luck!
Avery Dennison Q4 profit rises What They Think
Pasadena, Calif. - Avery Dennison Corporation today announced preliminary fourth quarter and full-year 2009 results.
"We completed 2009 with record free cash flow and significantly accelerated debt reduction while operating in the most difficult economic environment in decades," said Dean A. Scarborough, president and chief executive officer of Avery Dennison.
"While end markets remain soft, fourth-quarter sales reflect stabilizing inventory levels, resulting in solid improvement compared to the first half of the year," Scarborough said. "Our restructuring and productivity initiatives helped us expand gross margin and continue to invest for the future.
"Our leading market share in our core businesses and increased operating leverage position us well for strong profitable growth as markets recover," Scarborough said. "Our employees demonstrated great discipline in 2009, and I'm confident they will continue to do so in 2010 as we increase our focus on growth."
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