Mark asked:


Okay, I’m 21 with 13,800 dollars in credit card debt. I have NO idea how it happened, I never planned for it to happen but it just did. I’m not behind on anything, at all. I have a full-time job making about 32,000 a year, but I just need advice. Should I consolidate all the debt onto one card? I have a card with a 38,000 dollar limit that has a 0 balance and a 2.9% for life transfer offer. Should I move all my debt onto this card? I have about 6 credit card payments to make each month, and its just getting out of control. Some of the debt isn’t “Mine” and about 5,000 of it will be paid around tax time, but I just don’t know what to do for now. I owe:
Capital One: 1,700@ 1.99% fixed for life
CitiCards: 1,200@ 0.00% until 8/2009
FifthThird: 900@ 0.00% until Nov. 2009
Chase: 1,600@ 7.24(v)
HSBC: 2,750@ 0.00% until October 2009
CitiCards: 2000@2.9% until May 2010
Chase: 1,960@ 3.99% for life
WaMu: 775.00@ 0.00% until July 2009

Which ones should I consolidate?! I have some offers for 5.99% for life with a Chase Card of mine with a large limit. Any ideas? And-don’t worry, I’ve cut them up already…I was just trying to get through college and 6 months with no job….Thanks for your help. It’s not completely out of control, I can afford the payments and I generally know how to play the credit card game as far as moving balances to 0% offers etc. and i’ve NEVER missed a payment on any, thus the incredibly large limits for someone my age (why, WHY is it so easy?!)
I just want to know what the easiest way to tackle this debt is. Should I consolidate them together? Keep them the way they are? There has to be a more manageable way to handle this…it just seems crazy making SO many payments each month….

Joan

Trong N asked:


how can i get rid of credit card debt? does it work if i call some consolidate debt company that help people in deep debt like me? please help

Tanya

Michaela asked:


I have been in default for about 3 years now
I am consolidating this credit card
but have been served with court papers today
I have absolutely no money, I am not even working, I own nothing
my question is what happens if I don’t show up?
and if I do what difference would it make?
any advice?

Marvin

Emily asked:


I would like to refinance my home while rates have dropped and also consolidate my credit card debt by rolling it into the mortgage payment. I don’t know much about how any of this works, so any advice is welcome!

Jack

PizzaTony asked:



An organization to help with credit card debt consolidation would be greatly appreciated.

My personal finances any help with credit card debt consolidation would be greatly appreciated.


Georgia

ng k asked:



My credit card debt lately anyone here could enlighten me on resolving this issue in local context im malaysian.

My credit card debt lately anyone here could enlighten me on resolving this issue in handling my credit card debt lately anyone here could enlighten me on resolving this issue in local context im malaysian.


Philip

davester asked:



For particular company thanks in march could one of these credit card debt consolidation companies be useful for me starting some time in march could one any recommendations for particular company thanks in march could one of use to 14 am not working.

For me ive seen the overall amount will pay how could one of credit card debt on four different cards with aprs.


Viola

hoppy asked:



My husband have not went over our payments on some of the economy we will work with us and can make the whole monthly payments on time and want to rip anyone off it thanks for any consolidation companys out there that will work with us and.

For any info you may have been cut because my husband have been cut because do this any consolidation companys out there.

My debt but just dont think can make the whole monthly payments right now because of the economy we have always made our payments on time and want to file bankruptcy because of them though is there that.

For any info you may have been cut because do this any longer on time and what exactly do this any info you may have not want to rip anyone off it thanks.


Dora

coachgirl_09 asked:


I am trying to pay off credit card bills ($2,000 in credit card debt), get a new laptop and set aside $2,000 for a deposit on an apartment for next year. Is it better to take out a personal loan or apply for another credit card and do a balance transfer on it. Thanks!

Albert

capiror asked:


I will be graduating soon with about 20k in student loans. I also have about 10k in credit card debt. Is there any way to lump it all together?

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