Consumer Debt
Bankruptcy? debt consolidation service? Consumer Credit Counceling Serv?
I'm trying to not file for bankruptcy. Overdraft protection is the only thing keeping me from making late or no payments at all on my bills and that's nearly maxed out. I'm in huge cc debt, apppr 35k, and bankruptcy seems like the easiest way out and to feel like a person again. I want to try and fight my way out of this mess if I can. I would like to see if a service can help me but know there's a lot of scams out there. Is CCCS a debt consolidation service like Debtco or are they two different things? How do I go about finding a fair and reputable service? What types of questions should I ask? I'm near Portland, OR. Anyone have a suggestion of where to find a good service or lawyer (if bnkrp is in the future)?
Also, is a charge off really that much better or different than filing for bankruptcy? What's the difference when it comes to your credit report and how it is viewed by potential lenders?
TIA
Pennsylvania Debt Collection Practices?
In the Commonwealth of Pennsylvania, is a debt collector allowed to speak to the spouse of a Consumer if the spouse is not a signitor of the agreement creating the debt? If so, does the consumer have to give permission first? I'm trying to figure out if a collector is allowed to speak to my wife for a credit card I had before we were married.
What is the level of total consumer debt (credit card,consumer loans) in India?
Similar debt fewyears back in us around 700 billion dollers
How do you consolidate credit card debt if you do not own a home?
I owe about ,000 in credit card debt and I wanted to make that my year's goal to pay it off, but a lot of the websites I find require that you own a home, or charge a huge interest for someone to "negotiate" with your creditors to bring down interest. Does anyone know of a good resource where I can just consolidate the debt and make one reasonable payment?
Debt consolidation or not?
I am having a hard time choosing between solution to my debt problem. i have around 00 in credit card debts right now. All of them are in collection agencies now and I have no means in paying all of them and all are delinquent too. I've been thinking of doing a debt program. I've been looking around and have seen debt consolidation programs, debt settlement programs, consumer credit counseling, credit counseling agencies and debt management plan… and I have a feeling there are more I don't know of. My question is which one would be the best option. By now I know my credit is bad and I have nothing to put into collateral. I'm not really comfortable in doing anything online because I want to see and talk to someone face to face. What are the fees involved in the programs? Do you have to pay them monthly too? I just need all the information I can get right now.
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