Danielle R asked:


I am trying to help someone pay down their debt. What is a reliable and trustworthy organization for this? How much does it cost? Thanks!

ALVIN

kattyoxoxo asked:


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

SCOTT

Brian W asked:


And if it is, after the program, can you rebuild it? After a few years would trying to get a loan for a new home still be affected by having gone through the consolidation program? Thank you for any responses.

FREDDIE

sammycolt asked:


My credit is not that good its actually poor. I am only $20,000 in debt but would like to consolidate both my credit cards and car payment. I would like to have a reputable company and one that creditable also. Thank you

ANDRE

MamaX2 asked:


I have about 45 grand in secured debt (car, truck, motorcycle, atv) I am not behind on payments (about 1100/month) but am curious to know if I could reduce my monthly payments by consolidating and I have good credit and was wondering if it would it reflect poorly on my credit if I did also?

HUBERT

becky asked:


I am looking to take out a loan to pay off about $4000.00 in credit card debt. Unfortunately, my credit score is pretty low. How do I find a reliable place to borrow money from? I understand that my interest rate will be higher. I’m just not sure where to begin looking or where to start for that matter. thanks.

KARL

Roderick C asked:


There has been considerable debate between two specific debt reducing options: debt consolidation and debt settlement (negotiation). I’m trying to decide which is the best option to select if one wants to reduce their financial debt (specifically credit card debt). I’m sure there’s pros and cons to both options, however which is more effective? Please advise.

LAMAR

Franko asked:


I’m looking for companies or Non-Profits that will help, not hinder in this process. I would prefer to pay the debt off in 4 years, however, the problem is we might need the Credit Card in case of an emergency. NOTE- Some services require that you cancel the card once paid off and/or suspend the credit while paying this debt off.

CRUZ

Eric F asked:


I wonder I always hear on the radio claims that company A reduced my debt from 40,000 to 10,000
How is that possible? And how do these companies make their money?

SAM

dolphinsurfcafe asked:


All of my credit debt sums up to $5,600.
The largest one in this group is about $1,600.

What’s the best way to go about paying this off.

I tried a personal loan and couldn’t get one because of my bad credit history.

RAMON