Question:
if so, what one? and how well did it work ?
Answers:
Several years ago I used Consumer Credit Counseling Services 1-800-388-2227. They are the oldest credit counseling service in the Country and are non-profit they worked with my creditors to lower both my monthly payments and interest rate.
After 36 months I was debt free.
The first poster is correct as far as he goes. When you are in credit counseling your accounts show as "Included in credit counseling" on your bureau and it's very hard to get additional loans for anything. But if your in this bad a shape that you need their service, you have no business going out and applying for loans anyway.
I have not, but my bro-in-law is the finance manager for a car dealership and he says that "credit wise" it is looked at by all as similar to filing bankruptcy, etc. Be careful!
I have been using ACCC (American Consumer Credit Counseling, http://consumercredit.com) for about 2 years now to help me get out of those nasty credit card rates you get when the card providers decide it's time to really hook you. They have been very professional. All of the cards included agreed to much lower interest rates and reasonable payments. They allowed me to keep one card. They deduct a payment from me once a month and distribute to the card providers, for a very reasonable monthly fee of around $15. The only down side is that most of the credit card companies close your card when you do this, leaving you with a balance and no available credit which hurts your credit score. I saw that as an easy price to pay as opposed to bankruptcy.
Hi,
I used "Credit Solution" to settle my debt .They managed to reduce my debt up to 58%.It's legitimate.I came accross this company on NBC News Special Edition.Check it out here:
http://simurl.com/nukzuz
Hi,
Get valuable tips on debt consolidation from http://moneymentor.cashmatter.info... . It's a very useful website.
Hi.
There is a well recommended debt consolidation site on here:
http://qurl.com/ksh9f
no i haven't but i am glad you are seeking pro help -- good luck
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