Man of La Mancha asked:


I have about five to six unsecured debts [no credit cards] that i need to consolidate and make one payment or like. Bankruptcy is not an option for me. The total is around $10K. I am not interested in debt consolidation agencies, so far the ones i have talked to, i know more what to do than them…I can make monthly payments toward the debt and also pay reasonable fees and/or % of satisfactory arrangements. Anyone knows a serious, good attorney in the areas that i can contact for a free consultation. Thank you
Mr Gerald, with replies like yours no wonder you have so many answers….I am retired, disabled, soc sec, and yes i still work, as allowed…so your easy out is poor at best….thanks

Kansieo.com

lories_box asked:


I recieved all my loans from one lender for 2 years. Do you think it is necessary or better to consolidate my loans?

Kansieo.com

gino8xx asked:


i called them multiple times. they refuse to take more than the payment. salliemae want to consolidate federal with signature loans.they have one number for five loans. i don’t know how to guarantee that my payment will go to the correct loan?

help, anybody

Caffeinated Content

radioactive_babywipes asked:


Are there any debt or credit card consolidation services that are easy to use and secure and worth the time?

Caffeinated Content

RockCityNoseBleed asked:


I would like to consolidate my private student loans but don’t want to be subject to the pitfalls of those attractive offers like “Consolidate now and get a check fo $1000.00.” I read the fine print of all the mail offers I receive but I don’t trust any of them enough to persue them. I have about 40k to consolidate and will be returning to school in January to add a few more thousand. Has anyone already consolidated and had a good experience? I would be moving from Sallie Mae as my servicer. Please note, these are for private loans, not federal. Thanks in advance!
I would prefer not to consolidate with Sallie Mae. I had a rather awful experience with them recently and partly look to reconsolidate so that they are no longer my loan servicer .

Caffeinated Content for WordPress

Jenn asked:


My husband and I are trying to straighten out our finances because we have a lot of debt (credit cards mostly) and we want to buy a house. Everyone tells us that getting a a debt consolidation loan will help because we can combine all of our debts into one monthly payment, but we kept getting turned down or offered a low amount because we have too much credit being used. What’s the point of a debt consolidation loan if your too much in debt?

Caffeinated Content for WordPress

monkeyundermypillow asked:


I have $7,000 in debt and I have heard about debt consolidation. Does this negatively affect your credit rating? Do you get to choose how much you pay monthly or is there a set amount they make you pay? I live in Canada, if that matters.

Caffeinated Content

sandalchickadee86 asked:


I am looking to consolidate my private student loans and am wondering what credit score I need in order to consolidate them. I am looking for a rough estimate. I know that the loan industry is really tight at the moment but I also know that I need to consolidate them or else I will be swimming in student loan debt.
These are not government loans, they are private student loans and must be consolidated in the private sector. I should add that. Thanks!

Caffeinated Content for WordPress