Consolidation Debt Interest Low Information

Consolidation Debt Interest Low Resource

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Questions and Answers

Which is the best debt consalidation agency to join that offers very low interest rate debt consolidation? im searching for the name of a debt consolidation company that offers the very lowest interest rate for debt consilidation out of all the competitors. please does anyone know out of their own experience?

Jp J replied: "Don't get one. There a waste of time and money.Sometimes they don't take care of the priority accounts and can cause more harm than good. Plus, why pay someone to pay your bills? Most creditors and companies that I know don't work with them. Especially if it's in a legal status. If your looking for debt consolidation i would look at a debt consolidating loan and pay off all your debt at a low interest rate to stop all collection and legal activity than can be taking place. Make one payment on one bill and have all the others paid. hope this helps."

Bill C replied: "Talk to your local bank or credit union. Their interest rates are going to be much much much lower than what any "debt consolidation" company is going to charge you."

thomas replied: "http://ezconsolidation.com offer low interest rate debt consolidation. They offer all the plan related to debt consolidation i.e. debt management, reduction, elimination, settlement and consolidation loan."

Jimmy R replied: "Try using: They consolidated all my debt and helped lower my total debt about 25%. I highly recommend the service."

Where can I get a low interest loan for debt consolidation? I have about $10,000 in credit card debt. The cards have been distroyed for about 9 months. I always pay more than the minimum amount due, never late payments etc. I cannot seem to make any headway. I pay almost $400 a month combined and it hardly does a thing. I have tried to apply for low/no interest cards to switch the balances but because I have too much "revolving credit" they turn me down. Then each inquiry into my credit to try and solve my problem also causes red flags on my credit report. My credit score is around 660 last time I checked. I am not a deadbeat; I am working really hard to fix this. I contacted debt management and they told me because I have decent interest rates and I am making payments they cannot help me. Is there some moderately weathly person who would personally lend me money at a low interest rate??? I just dont know what else to do.

maite1247 replied: "try this... America Lending. "

togashiyokuni2001 replied: "Are you a homeowner? That's the cheapest way of doing things. I'd avoid credit counseling services, because you're making the payments and consumer credit counseling looks almost as bad as bankrupting on your credit report."

AB replied: "First of all, I commend you on not using your credit cards for the past 9 months. You seem to have a grasp on wanting to get out and you aren't racking up more debt. You said you destroyed the cards, just make sure you do not close the accounts. What are your interest rates currently at? Have you called your current cc companies if they would lower your current rates? Go to for more info. I suggest going to Oprah's debt diet site. She has some helpful tools to help you. You also need to evaluate your monthly expenditures. I suggest setting up an Excel file where you list out your monthly expenses from your rent/mortgage down to your groceries. Do you have cable, eat out, going to movies etc? If so, those are luxury items, if you want to pay them down I suggest you cut out these type of expenses if you want to get your debt down. Once you see where you are spending your money, you will be astonished, $3 here, $5 there..who knew it went so fast. I know that it seems like such a huge mountain to conquer, but with time and discipline it can be done. You are on the right track with trying to get balance transfer credit cards. Don't worry about your credit score, either. As long as you make your monthly payments on time, you will be able to raise that up again."

iraqiwildman replied: "You can NOT borrow your way out of debt. First, make a monthly budget and live by it. Second, List your debts, smallest amount ot largest. Attack the smallest and only make minimum payments on the other. When you start paying them off and crossing them off your debt snowball list, you will get a feeeling of accomplisment. See Dave Ramsey's website. My wife and I took his class and are "DEBT FREE""

hakeem replied: "If you want to get out of this, the first thing you have to do is to make a budget : Then you have decide a total amount you want to devote to paying off your credit cards, but there's a catch. Paying a little more than the minimum of each one of them will not cut it. Pay the minimum on all your cards except for the one with the highest balance. On that particular card, make the largest monthly payments you can afford until you pay it off. Repeat the process as many times as you have credit cards. The beautiful thing is that as you pay off your first credit card, the amount of money you can use to pay off your second credit card is greater, and so on. In my opinion, this is how you should go about it."

gabriel s replied: "Bad credit is one of the worst problems to have... however there exists a solution. I will hereby talk from my personal experience. I did debt consolidation a couple of years ago, however If I had to do it again I would pay to some minor details, if someone wants to get out of debt today it is pretty easy with a debt consolidation plan, however it may get a bit tricky at times, I suggest you get as much information as possible online on this first, a good place to start in my humble opinion is astraight to the point ebook with question and answer I found : if it helps kindly remember me in your voting!.. cheers!"

does anyone know of a good debt consolidation company low interest? a good one will be much appriciated

persnickety1022 replied: "Debt consolidation and low interest, never go in the same sentence, unless you have excellent credit and are getting the loan from your bank"

A replied: "Absolutely. I'm with you girl. I got into debt a while back, lost my job, and couldn't keep up even with minimum payments. ClearPoint Financial Solutions. Google it. I used them, pay a flat fee per month, and in 3 months, all of my bank card statements were up to date. It's VERY simple. Ask for Marla Puckett. She's the BEST agent EVER, a total sweetheart and doesn't make you feel guilty. Tell her Ana referred you ;) Best wishes to you and your financial future =)"

gtofinancial.tomvoli replied: "If you own a home you should be refinancing to accomplish this."

Where can I get a good low interest personal loan(unsecured) for debt consolidation? I need to pay off like 5 credit cards,and 2 personal loans. I am just trying to put it all together and lower my monthly payment. Please help me with this.I have pretty good credit i guess but alot of inquiries because 2 car dealerships shotgunned my credit report around. Please no more scammers trting to give me a loan. Just wanted to know some legit loan company's that would work with someone

rod W replied: "By using services from a debt relief organization you will stop receiving phone calls asking you for money. You will pay a fixed rate amount every month which will never go up. You won't be dealing with your creditors any more. The "debt relief people" will be paying your bills for you, and your credit card company is out."

Taurean W replied: "www.prosper.com"

joel.haze replied: "I got an unsecured loan through a great dealer, it was easy , you can apply online for free and they get back to you within 3 hrs lol. The site is,"

raees_work replied: "If you have a good job or repayment plan, you can ask for a loan at your credit union or Prosper. People may help you. From and"

what student loan debt consolidation company has the lowest interest? what student loan debt consolidation company has the lowest interest ill have around 110,000 dollars in debt by the time i finish my masters

LEAH replied: "Im not 100% sure about USA, but in UK consolidation companies do not charge interest. They charge a percentage of your monthly payment. You need to check the % rather than the payment as different companies will quote different monthly payments, which may appear cheaper but aren't. A Monthly payment 100 - 15% - payment to company 15. B Monthly payment 200 - 10% - payment to company 20. Double check the percent - not the payment."

Andy replied: "Remember though...a lower payment means more time in debt (unless you reduce the interest rate SUBSTANTIALLY). Also, in debt consolidation, you usually have to throw in the low interest loans along with the others, this cancels out any benefits of lowering the high interest rate loans. My suggestion is to line them up, and one by one tackle them with intensity and ferocity. 110,000 is going to take a little while, so keep your head down, focus and don't get discouraged...Good luck!"

Is there any option for debt consolidation if you are NOT in default with good credit but no equity? Are there less risky unsecured financing options for those with good credit outside local banks who want secured credit? We want to pay off debt at lower interest than credit cards currenly held. Any options out there besides all the scary ones?

bobby d replied: "ask your credit card company to lower the rate, or transfer balances to lower rate cards"

Viv replied: "I work in insolvency so I come across this everyday! The only way to do it is if you keep transferring the balance onto other cards. If you have a lot of cards though it's very risky and a lot of hassle. It's generally better to just pay off as much as you can every month as you won't pay as much interest! You could always take out ONE low rate credit card for a few months to use for your living expenses and then use your income to pay back the other cards. It depends very much on what you owe on them but in my job id really advise that you pay thm off asap and never use them again unless for emergencies or you can afford to pay off the whole balance every month!"

Jeanne R replied: "Since you are not in default you can call the credit card company and ask to have your interest rate lowered. If they won't lower it, you can open a new 0% interest rate card and transfer your balance. The 0% introductory rate usually last 6-12 months and you could pay off your credit card in that time period. If you have more than one high interest rate card, transfer as much as you can to the new 0% card from your highest interest rate cards. With luck you can transfer ALL of your high interest rate credit card debt to low or 0% cards. After you get your transfers done follow this system: Pay the minimum due on all of them and then put your extra money towards paying off the highest interest one first. After you get that one paid off, you put the money you were paying on card #1 (the minimum payment and the extra payment) towards card #2. That will pay card #2 off faster. When that is paid off, you put all three payments towards card #3 and that one will be paid off pretty quickly. As an example: To start : Card #1 (highest interest): minimum payment+ extra payment Card #2 (middle interest): minimum payment Card #3(lowest interest): minimum payment Card #1: paid off Card #2: minimum payment from Card #1+ Minimum payment from Card #2 +extra payment Card #3: minimum payment Card #1: paid off Card #2: paid off Card #3:Mimimum payment from card #1+ minimum payment from Card #2+ minimum payment from Card #3+ extra payment. That way, you will get them all paid off, on time, and pay the least interest. It will also help towards rebuilding your credit since you will no longer have any late payments. This works no matter how many different debts you may have."

Ervin replied: "You can go for a unsecured debt consolidation loan where you can get a low interest rate compared to any banks and the added advantage would be, it will also improve your credit score as subsequent payments are made to pay off the new loan. Here is one of the source which I know of a debt consolidation company named for your reference."

Ankita replied: "If you really need some help, I will suggest you a site. Where you can get your Consultation free of Charge! No credit check required to get started with your free debt consultation. :)"

Elia R replied: "I've heard good things about this one. Goodluck!"

Jennifer replied: "Hi, I used "Credit Solution" to settle my debt and avoid bankruptcy.They managed to reduce my debt up to 58%.It's legitimate.I came across this company on NBC News Special Edition.Check it out here:"

Have you ever heard of debt management (not debt consolidation) and if so, do you think it is beneficial? Why? I make about $55,000/year and I currently owe approx. $34,000 in credit debt alone. That's not including my car and student loans plus I still have rent to pay etc. I do not want to file bankruptcy if I don't have to. I also would like to stay away from consolidation. My credit is average considering I have a high debt to income ratio, but I pay my bills on time. Today, I was told by a company that they have something called debt management. I've never heard of that, but they said unlike debt consolidation where they lower both your interest rate AND balance, all debt management does is get the creditor to lower the interest rate. I would pay a monthly payment to the company and a monthly fee and they would make my payment for me. At this point, I can only make minimum payments and my balance is going nowhere...Should I give debt management a try? What are your thoughts and please state why or why not. They said this will not negatively affect my credit score.

aluminum22rocker replied: "I don't see why not, just be cautious of who or what company handles your finances. Look into it carefully and I don't see why it wouldn't be an option."

ugottafriend4life replied: "That doesn't sound much different from debt consolidation. My advice is never pay someone else to help you pay your bills unless you are filing bankruptcy. You can call the credit card companies and let them know that you are in trouble and need your interest rates lowered. Tell them you are having to consider bankruptcy if you feel it is necessary to get your point across. If a credit card company is willing to work with a debt manager, they should be just as willing to work with you. Just be honest with them and see what they will do. Most people who join debt consolidation or management agencies get into more trouble and end up filing bankruptcy in the long run. My best advice is see what you are able to do on your own first, and if that doesn't work, set up a free consultation with a bankruptcy attorney. They will give you all of your options with no fee or obligation. Good luck."

Maddy Waddy replied: "You've recognized you have a problem and that is always the first step. There are certain debt management companies who have been cited for fraud. Be careful who you choose. Look for any complaints filed with the BBB before paying for the services of debt management company. Debt management services can be expensive and may not produce the results you need. Try the suggestions given at. If you are committed to reducing your debt, you don't have to spend thousands of dollars to do it."

Henry W replied: "In Canada, all debt management companies are bonded. They are very reliable. They are required by law to deposit all money received in a trust account. All their staff are well trained and certified. They have the skills to negotiate with your creditors to eliminate or reduce interest on your debt. I have a friend who has been on debt management for almost 3 years now. He is very satisfied with their services. In most debt management program, you are require to pay off your creditors within 5 years. I don't know if you are a Canadian or American. Even in the United States, most debt management companies are highly regulated. They are very reliable. If you worry, talk to your local credit bureau."

Where can I find debt consolidation for "private" student loans? I am a young professional that is over my head in private student loan debt and credit card debt. I have found several companies willing to help me with my credit card debt but no luck with the private student loan debt because it is not considered "secured" debt. My interest rates on these loans are over 20% making my monthly payments total $700. Because I have credit problems in the past I am considered a "high risk" thus unable to get the banks to reduce my interest rate. Does anyone know of an agency that is willing to help people with "private" student loan debt? I am looking for some type of debt consolidation that would reduce my interest rate and lower my monthly payment. Please keep in mind these are private student loans not government loans. Thanks in advance!

Sal replied: "Credit card debt is not secured debt either. I don't know what difference it makes. You are paying for your past bad behavior. You can keep shopping around and see if you can find a lender who's willing to let you borrow at less than 20%. You might have to struggle for a few years on a very tight budget until you get matters under control. Congress expanded the types of student debt that cannot be discharged in bankruptcy. I don't know if yours falls into that category, but it is getting very difficult to walk away from student debt."

jamesPurple replied: "There we go:?=yh060307 Good luck !"

jimko k replied: "Many people throughout the world are facing financial problems either due to illness, divorce or job loss. To tide over it, many resort to taking loans. While taking loans, they ignore the fact that repayment is also similarly important issue that should be dealt with beforehand. This leads to vicious debts cycle. If you are thinking your situation is difficult to cope, remember there is a solution for it. You simply have to follow effective steps and focus on your chosen goal. Today there are credit card debt consolidation loans that solve all your problems. Credit card debt consolidation loans will not only bail you out of ............"