Business Information and Help

nerikhmer asked:


I want to try to pay off the debt in approx. 3 yrs. I do care about my credit score, but at this point I want to payoff the debt as soon as possible.

soybonita asked:


I’m looking into these organizations. I want one that is non-profit and is really going to work for me. Has anyone tried one that they are happy with and how will using one reflect on my credit report?

healthnett asked:


I have maxed out credit cards and they raised my apr due to a mistake in my payment and it was late, usually i’m on time or early with my payments and always pay the minimal. I’m trying so hard to get out of debt but with my apr raised, i feel like i’m drowning in debt. I have read some info on debt consolidation loans vs. other methods, which is best and what can i do? i probably have really bad credit right now due to the max’d out limits and the “penalty pricing” increase in my apr. I would like to find a way to consolidate debt to lower the rate and possibly lower the payments but i don’t want to get into a situation that will end up leaving more of a scar on my credit report. Can anyone help me out? where do i go from here?

bowiefam1 asked:


… as far as my credit score goes?

Elizabeth B asked:


I have poor credit, partly due to my bipolar disorder. I am now on good medication for the bipolar, and I really want to work on my poor credit. I have very little in credit card debt, but a lot of debt in other areas, (like medical bills). I just don’t know where to begin!! Help!!

Florencia F asked:


It is true that bankrupcy is going to show on my credit for the rest of my life? They are asking for $600 for a monthly payment and I cant do that amount. What can I do? I dont want to do bankrupcy
Thank you!

awise0204 asked:


Like I am in about $20,000 in debt and I was thinking about consolidating all of it into one monthly payment. If I do decide to do it, I really would like to know how everything will show up on my credit report after everything is said and done.

silverblack12345 asked:


Im about 10 grand in the hole! I have been missing payments to credit cards lately, and have medical bills that I haven’t even considered paying. I just make sure I keep my rent, and my care note payments up to date.

I hear these advertisments all the time for debt consolidation companies (not bankruptcy) and was wondering if anyone out there has had any luck?

meek asked:


I’m considering consolidating my debt with the consumer credit counseling agency in my town but someone told me that it’s considered (i guess by potential creditors) the same as filing bankruptcy? Is this true?

redheadedstepchild asked:


I have been searching for almost two months to no avail. Are there no legitimate lenders that perform Debt Consolidation Loans? I am not looking for a Home Equity Loan, I mean a loan to “replace” my high interest loans and credit cards with one affordable monthly payment?