First be very careful about which one you choose to use. Be sure it is a reputable company by checking with the BBB and looking into how long they have been in business, etc. Afterall you are revealing all of your personal info and account numbers to them.
Also-compare the fees they are charging with other companies. It is an administrative fee and varies by company.
Lastly-be aware of the effect your participation may have on your credit score.
Consider negotiating with your lenders yourself. it can be tedious and take alot of time, but in the end you will have saved the debt consolidators fee and perhaps not damaged your credit score as much.
Debt settlement programs often help you eliminate debt in half the time, such as 24-36 months, and often will be able to settle with creditors for less than the amount owed, getting you out of debt faster. Make sure you do your research wisely as debt settlement is not for everyone and if you can make your monthly bills, enrolling in this program might hurt your credit score. Remember, debt settlement is great option to filing for bankruptcy, but make sure you find out what works best for you. There are many options.
Here is a site that might have some helpful information
http://www.golimefinancial.com/index.html
I am a bankruptcy lawyer, and have had many people come to me after dealing unsuccessfully with debt settlement/debt relief companies. Many of them have spent thousands of dollars in a futile attempt to pay their debts, only to be subjected to... read more
by writesketchbead 12 years ago
What are some ways to pay off debt when you are barely making the essentials?Scenerio:Your income has dropped $325 a week largely due to medical reasons. You are not in a healthy postion to increase work hours. Medical bills are mounting. You have cut out doctors visits. Credit cards have been in...
by Cat R 12 years ago
What is the reason for our country's gigantic amount of debt?What do you think causes the most 'damage'?- Illegal Immigrants and the loss of taxes/amount of money paid to them for welfare type programs (that are not covered by the taxes they pay since they don't pay taxes)?- The money spend on...
by Karina S. 13 years ago
Debt consolidadation- is do it yourself -good idea?
by sandra rinck 15 years ago
Let me start off with roolllff! Everytime I look at a bill I get sick, everytime I need to bust out a credit card just to make it to the next month I wanna puke. Trying to get along in a busting economy is making me sick. I do need advise, good advise in a couple of areas,...
by Texasbeta 12 years ago
Every day I hear someone talking about how bad the economy is...most of the time, from someone who hasn't a clue as to even basic economics. SO...let's find some viable charts and take a look for ourselves. http://dallasfed.org/data/data/us-charts.pdfTake a gander and let me know your thoughts.
by Gary Anderson 12 years ago
I have been watching the Yahoo boards and people are furious at the Republicans, especially the Tea Party. They are getting the lion's share of the blame for the debt downgrade. Here's why:1. Obama wanted a grand plan. The Republicans rejected it.2. Obama wanted shared sacrifice including taxes for...
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