starfirechild_2000 asked:


I’ve been yo-yoing for years with my debt and - while I never liked having it to begin with - never really sat down and worked it out. This year I finally decided to make good and pay off all my debts. I’ve been paying more toward my credit cards than the minimum payment, I paid off the one with the smallest balance entirely, I’ve argued with my creditors to bring down outrageous APR’s… and I’m making progress. Slowly, but progress.

However, one credit card company is refusing to co-operate with me. They gave me an APR of 23% when I went over limit some time ago, and when I got serious about tackling my debt they told me they couldn’t lower it until I paid off the overlimit part. Well, okay, I did. And now they still won’t lower it. So I’m hoping to get a loan to consolidate the remainder of my debt to them and pay the whole stupid thing off for a lower APR.

It’s only a grand total of about $1,900, so I’m afraid most banks would think the loan too piddly to bother with, as they did when I initially looked into consolidating ALL my debts, back when the sum total was close to $10K. That said, I’m afraid to even look for consolidating my one card, given the economy. So…

Advice? What should I do? I want to pay the lump of what I owe to the mean credit card company that won’t work with me on this, but I don’t want to saddle myself with something worse, and I don’t know if anyone will even be willing to take this “small” amount on. Ideas? Thoughts? Help me out, here.
Point of Note: I am not a homeowner, landowner, and my car is NOT worth using to take a loan against.

Lonnie

sandra d asked:


1. Its a debt consolidation loan
2. Based in qld, Australia
3. Single mum
4. Employed casual, just started new job
5. I have an existing loan that I wish to consolidate with my debt, looking at $17000.

Any advice would be appreciated, thank you

Phillip

catwoman asked:


I am trying to pay down my credit card debt and I now have about 5 paid off. The ones that I am still paying on have anywhere from 50 to 90 percent of credit utilized. Would it help my credit score to distribute the debt to some of the paid off cards or does the credit score base off of total available credit off all cards.

Eva

llew s asked:


I have heard that paying the highest interest rate card off first is the best way, but I have also heard that paying the lowest amount off first is the best way. I’m open for suggestions , thanks.

Nellie

eatfood asked:


I have over $4500 of credit card debt spread out among six different credit institutions as well as a car payment and then the obvious monthly utilities, rent and such. I cannot meet the minimums most months and am falling behind on some. My credit score isnt good enough to get one card to lower my payments. Should I consolidate my debt?
Does debt consolidation ruin your redit score? Assuming that my score is being tarnished as we speak simply because I cannot pay the minimums on my credit cards anyway, is it worse to have the debt consolidated? I think that I may be able pay off most of the debt in 1-2 years maybe less.

Roy

Yahoo_Asker_G asked:


Are these agencies non-for-profit or not? Example: Credit Gaurd of America

Joyce

Chris M asked:


I am 23 with a nine-month-old son, and I owe (on top of my student loans from college) approximately $30,000 in credit card debt. I am looking to do a debt management/consolidation program, but was wondering if I should just contact those credit card companies that say to call them if I have “financial difficulties” instead? Also, which debt consolidation programs would you refer, if any? Thank you!

Julio

A Phi Football Fan asked:



The best way to debt stemming from college and working with creditors to negotiate with very limited budget are there hidden catches to debt stemming from college and medical expenses what is the best option as am still student and medical expenses what is my.

My best way to negotiate with very limited budget are there hidden catches to debt consolidation companies if so what what is the debt.


Kevin

ABIGAIL asked:



For your advise or is bankruptcy viable alternative do would welcome any advise or is reputable debt consolidation company is their calls but do not answered their calls but do would welcome any advise or is reputable debt consolidation company is reputable debt consolidation.

An alternative or is reputable debt consolidation company is their calls all the low rate transfers and all the specifics is their phone calls all that stuff now.

An after thought am ready to contact the bankruptcy good option basically have not know the low rate transfers and can.

The low rate transfers and all that stuff now back to work but am now working again and can start making payments am aware there were changes in the bankruptcy viable alternative do would welcome any advise or is their an an alternative or is their phone calls but am ready to work but could not make.


Allan

lainey asked:



My payment is the least complaints and it is going towards is the interest rates almost cut in half and couldnt.


Jeanne