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I'm in process of starting an organization to help middle class families get out from under their large amount of credit card debt instead of waiting for the government to help or credit card companies to help. Would you be willing to make a donation to selected families in the PayitForward method to help reduce the large amount of credit card debt?
Learn how to reduce your credit card debt faster using the Snowball Method. Visit www.debtopedia.com for more helpful information and to get a ...
I was thinking about taking out a personal loan to pay off some of my credit card debt (about 13k). The loan would be at lower interest than my current credit cards. Should I do this, or are there any other suggestions?
If you have great credit you might get the loan if not you won't. If the interest is lower why not?
Does anyone know a company which can reduce the
overall total of my credit card debt and lower interest?
I have heard a lot of information about them but was
wondering anyone with experience dealing with a certain
company who actually helped them. Thanks in advance
cards.hotusa.org - try this one. You can compare different credit cards and choose the best one for you.
Some of them allow to transfer funds and provide 0% interest rate for 12-18 months.
we were approched by a debt company by phone how do you know if they are lagitiment
Stop spending money you haven't got on these cards sounds like the safest was to reduce this debt to me.
Negotiate with the creditor to lower your interest and ask for forgiveness of late fees etc that they might have charged.
I have had late fees forgive a couple of times just for the asking.
Negotiate with every credit card you have, once you get a card witht he lowest interest transfer all balance to that card or as much as you can into that card.
Pay the card with highest interest rate first. As soon as you pay it off, cut that card off and thrwo it in the trash. RINSE and REPEAT
At the end you will have one credit card left and pay that off.
All this while you MUST refrain from using credit again or else it will not work. Cash your paycheck and use cash/debit card for all your expenses.
Make a list of things you purchase every month and find out where you can cut cost. Don't goto movies for a year, dont eat out, buy generic groceries, skip vacation and take double pay.
The best is use your tax refund to pay off your debt. Since you are used to living without that money as soon as you get your refund before you spend it pay it all into your highest interest credit card.
Good luck.
Or any programs you know that consolodate... at a low rate.. I'm talking less than 6%.
onsolidation is the best solution available to the credit cardholders to improve their future credit. People go for debt consolidation for many reasons: prolonging the loan period from 5 - 15 years and reducing the interest rate. Consolidation allows you to go for a loan with lower interest rate than the one you are currently paying. Besides it simplifies the loan repayment as you are paying only one lender in place of various payments to different lenders.
http://debt-trap.com/category/Credit-Card-Debt-Consolidation.html
Bad Credit Debt Consolidation – Card Credit and Debt Relief in 2010 Subprime Blogger (blog)
If you have several credit cards and loans outstanding with a very high interest rate then you will greatly benefit from the bad credit debt consolidation process. It is important to note that this process works best for those who have many lines of credit outstanding and high interest rates. If you just have a few credit cards that are considered low interest rate cards then consolidating your debt might not be a good idea.
Bad credit debt consolidation is a service that does cost money. This is the reason it might not be worth it for you if you just have a few lines of credit outstanding. You will end up paying the debt consolidation company money but you could end up saving even more money in the long run by reducing your interest rates if you have several lines of credit outstanding.
By consolidating all of your debt into one lump sum there is a very good opportunity to lower the overall interest rate on your debt. Not only can you lower the overall interest rate but you also reduce the number of payments you have a month to one. This will allow you to avoid missing payments and having to pay late fees.
News
Can A Balance Transfer Credit Card Help Reduce Debt? Personla Finance Weblog- Feb 25, 2009
Personla Finance WeblogCan A Balance Transfer Credit Card Help Reduce Debt?Personla Finance Weblog, CARecently, I have mentioned balance transfer credit cards in a couple of my posts. These credit cards can be a tremendous way to save money if you already have some existing credit card debt. However, they will not help some people. Dealing with debt - is a balance transfer worth it? You are here: Blog
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Money answers for your financial serenityCNN"About 30 percent of your credit rating (FICO score) is based on your debt-to-credit ratio," she explains. Closing the accounts will reduce your amount of available credit and hurt your FICO score. When you've cleared all the debts, cancel one card- Feb 25, 2009
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Give credit-card debt the heave-hoNewsChannel5.com, TNAnd 40 percent of Americans with credit cards do not carry a balance; 27 percent of Americans do not have credit cards at all. But credit card debt -- those balances carried from month to month -- still exists, especially for people in the middle Income Growth Under Pressure as Recession Began America Saves Week: A Glance at the Survey of Consumer Finances
