3 Thoughts on Charge card debt settlement services?
  1. Reply
    peahiwahine
    November 26, 2011 at 10:49 pm

    http://www.moneymanagement.org/

    They are nationwide, free, and also go by the name Consumer Credit Counseling Service.

  2. Reply
    pointless74
    November 26, 2011 at 11:27 pm

    why not neotiate for loer intrest rates? Pay the lowest off first, pay the minimum on the others, and then nce u have payed off the lowest, then apply that money on the lowest to the next lowest. That beats dealinf with those type of orgs. check out http://www.daveyramesy.com. He is a debt free multimillionaire, who started from nothing.

  3. Reply
    TaxMaven
    November 27, 2011 at 12:24 am

    I concur w/ pointless. CCCS is considered reputable, but they will still trash your credit as badly as a Ch13. I have been using Dave Ramsey’s “Total Money Makeover” for close to 3yrs. It is not for sissies, but it works if you work at it. DH & I had tons (I won’t even tell you how much, but it had lots of digits.) of debt, now we are well on our way to being debt-free (house & student loan remain). You can probably get the book at your local library. If not, I think he’s having a sale online. You can get it for $ 15. It will teach you how to settle w/old bad debts & how to get current & pay off the ones you’re paying on.

    Anyway, I already got the business this morning from some guy who thinks I’m Dave Ramsey just trying to pimp my own book, but I’m not. It’s an NYT bestseller, so Dave doesn’t need my help. I’m just a serious fan of his plan b/c it has worked for me, & all the people I know who don’t follow it are in debt to their eyeballs. Following it has helped us to get on a budget, live on less than we make, pay off tens of thousands in debt & save for large purchases & emergencies. We haven’t borrowed since 2002. We pay cash/debit for everything (usually cash) including airline tickets, rental cars, car purchases, computers, furntiture, etc. We have soooooo much peace around the subject of money that we never argue. It is awesome! I wish this kind of peace for everyone. I hope you will try it.

    I’m sorry that you are struggling. I wish you all the best.

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