Ivan S asked:


Not credit counseling, but debt consolidation loan. Can’t find any good info on the web, so your educated opinion would be helpful. What are credit requirements, home equity requirement, debt service ratio and other factors?

If you know a good resource that would be very helpful as well!!

Thanks.

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A B asked:


I have a bunch of hospital bills that really cost me in credit scores. I really want to try to consolidate it but I can’t find anyone who does debt consolidation without credit card debt. Any suggestions?

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Margene H asked:


I owe on 3 credit cards. One is starting to fall behind on the payments as its too much to pay. Which route is the way to go? Debt consolidation or contacting creditors & explaining that I was living beyond my means & now I am having trouble paying.

On the one card I’m having trouble with (Chase), my monthly balance is $299 but I can afford to pay $180 a month to them. I’ve heard horror stories where people get the WORST treatment when they try to set up payment plans with credit card companies. Do most companies decline an offer of a payment arrangement? I can get back to more payments in January or February but now is hard.

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Cassidy S asked:


I am trying to consolidate my credit card debt because the payments are too high each month. If I could get a home loan this would be perfect. I am having difficulty making all the payments and I don’t want to completely ruin my credit. Any reliable consolidation advice would be apprecitated!

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zarayray10 asked:


i am interested in having my monthly credit card payments put into one payment per month. i was very close to trying this but backed out at the last minute out of fear of being screwed over by a debt consolidation company. can someone explain how these companies work? has anyone ever used one? is it helpful?
do u pay the debt consolidation company a seperate fee? or do they include that within ur consolidated payment?

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hotsing1 asked:


If anyone has any experiences with good or bad in dealing with a debt consolidation company let me know. Would it be a good idea to have one help me if I have about 4,000 dollars in debt?

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arclark_2001 asked:


I need to consolidate my bank loans and federal sudent loans, which is the best. I am looking at citibank right now. Anyone have other suggestions? Thanks.!

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Russ M asked:


How do you know which program is good and which one is right for you. I heard their is a way to check there beruo report or something, not sure what its called. How can you see the results and reputation of the debt settlement program or debt consolidation program.

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happyscrappycat asked:


Whats the best way to consolidate my student loans? Ive heard of Sallie Mae, Is this a good one?

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ALEIII asked:


I unwittingly entered a debt consolidation program with cesi and wish to stop. I have medical reasons from Iraq and I sometimes am overly impulsive. Has anyone ever stopped participation in one of these programs?

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