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

Darth Vince asked:



The consolidation company negotiates with the program its different type of program its different type of program which uses settlements im not necessarily because the program its different type of program its different type of program because was.


Florence

hilleyrakes asked:


Does anyone really know?
Also, it’s for an educational loan, not something else.

Caffeinated Content

Ray S asked:


any companies out there that will pay off payday loans under debt consolidation program

Ramon

honhill asked:


Due to a family tragedy, my husband and I are currently in $26,000 of credit card debt. All of the payments are current and the cards are paid on time with the accounts still open (we are not still charging, though). We are looking to seriously pay this down before the interest eats us alive. My husband wants to take out a bank loan and pay the cards off that way, but I am wondering about the debt consolidation programs you hear about (I know some of those are scams and some are real). Any advice or experience?

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