Debt Consolidation

Will negotiating credit card debt hurt my credit score?

I've been unemployed for a couple months, and the credit card payments are starting to hurt.

If I negotiate with the credit card company to reduced my debt or monthly payment, will this somehow hurt my credit score.

I plan on refinancing my mortgage when I get another job, and I don't want my score to be hurt.

Tags: credit card company, credit card payments, credit score, job, mortgage

How do get my credit card debt to zero?

I had left USA around 4 years back as I could not get a job(software). When I left I had credit card debt. Now i want to be back and normalize my debt. I currently dont have a job. I checked my credit report on the internet but confused with the terms. Its certain that collection agency must be trying to locate me. I cant figure out my current debt, thats when I left and now(including interest?). I need help in how to take the first step and how its going to affect my job-hunt.

Tags: Credit Card Debt, credit report, job

Can I pay off credit cards and ask for some interest to be knocked off?

I am going to pay off 4 credit cards. I want to pay these off and close the accounts and will cut up the cards. When I call to do this, I want to ask if they can knock off some of the interest since I am paying them off. Also I have some late fees applied to them. Do you think they will do that? How should I ask? Thanks.

Tags: credit cards, late fees

How to pay off credit cards enrolled in a debt management program?

I have been in a debt management program with a local credit counseling service for about 8 months. My parents have offered to co-sign a loan so I can pay off the cards. The loan with the bank is a lower interest rate than the cards and will pay them off faster with a lower payment each month. Should I pay the cards directly or go through the credit counseling service? Which is better for my credit score?

Tags: cards, credit counseling service, credit score, debt management program, interest rate, parents

How to refiance your home and consolidate your credit cards at the same time?

My girlfriend and I just finished building a home. We have a 30 year fixed loan for 0,000 with a 6.125% interest rate. We also have used a lot of our credit cards to finish our home. With interest rates very low right now, we want to refinance with a lower rate and consolidate our credit card debt. So every month we pay one payment for our credit cards and home. Is this possible? What would you suggest? How it works? Any bank suggestions?

Tags: building a home, Credit Card Debt, credit cards, girlfriend, interest rate, interest rates