amazing planet asked:


What is a good debt consolidation company that will negotiate what you owe by negotiating with the creditor, and then you owe less than before to each creditor, but you owe them for one big new loan , to them for paying your debts?
So they are getting your debts down by negotiating and then give you a consolidation loan to cover the amount owed to them now?

Bdubs asked:


Personal finance was slightly taught to me by my parents or in school. I had to learn how to balance a checkbook, the dangers of credit cards and about saving all on my own. What personal finance lesson do you wish you had been taught in your younger years & how would that have changed your current economic status?

Capone asked:


Can you refer me to a good debt consolidation company?
I have heard there are a lot of rip off debt consolidation companies out there, and I am just looking for one that maybe you have had a good experience with. If you could give me some suggestions, that would be great! Thank you!

Amanda asked:


I’m really trying to get in control of my finances. I’ve had to depend on credit cards for things like food and toiletries. I never used them for anything other than for survival.
They’re all maxed now and at ridiculous interest rates as high as 29%. I barely make the minimum payments and so I’m never really paying anything off, just getting deeper in debt. I’ve seriously been considering debt consolidation, but I’m so fearful of getting screwed over and that is the LAST thing I need. I was wondering if you had any advice or knew of anyone reputable.

Jeff asked:


I have 3 different credit cards that now have over 20% interest rates because I was late on one payment. I have heard that Christian debt consolidation might be a better option than regular, but I want to make sure I select a company that is reputable.

sonija asked:


I am in dire need of a debt consolidation loan and I have bad credit. I can make things work with $5000, but I do not know where to start. I have seen people with yahoo addresses claiming they can loan money but they sound fishy as it is not a company email, their emails always seem to be yahoo. Any info will help. I fell on hard times and am now able to pay my monthly bills but I cant seem to catch up what I fell behind on. PLEASE help asap. I have a 5yr old and I do not want him to suffer us loosing our home or car.

Teri M asked:


I need to lower all of my bill. I want to get into a free non profit debt consolidation.

Labrythn asked:


When you consolidate debt, it shows all old debts as being paid, etc, but the one new debt ratio, which is the amount being owed to the consolidation company will be huge. QUESTION: Does It lower the credit score to have a huge debt ratio like this?
OTHER QUESTION: and you also want to have say, 3 credit cards, (3 of them is the number you want to have a good credit profile, right), then the debt consolidation companies close your credit cards or do they not? How does it work

Clint P asked:


I have been reviewing different websites for help with my credit card debt. Because of religious beliefs I am hoping to find someone that can offer Christian debt consolidation. Does anyone know who are the best Christan debt consolidators?

Cassidy S asked:


I am trying to consolidate my credit card debt because the payments are too high each month. If I could get a home loan this would be perfect. I am having difficulty making all the payments and I don’t want to completely ruin my credit. Any reliable consolidation advice would be apprecitated!