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Getting Out Of Debt Homepage
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I need a reputable debt reduction company?
Does anybody know one?
Has anyone used Halo Group Inc. for credit help or debt reduction?
I'm thinking about turning over my large debts owed to them. I just really need to know how reputable they are and if they have helped anyone out there other than the testimonials they have posted at their website.My " large debt" is thirty thousand and I have worked out payment plan arrangements with most of them. However, the debt to income ratio leaves me with very little and not enough to pay rent or buy basic nessecities. I know I would have to pay them a percent but can they really help get things reduced even more than I was able to?
Do debt reduction services make you file bankruptcy?
I'm in about $4,000 in debt and was considering a debt reduction service. I heard that you have to file for bankruptcy to complete them. Is this true and what all is required to follow through and complete a reduction service. Is it worth it?
What is the best company to use for credit card debt reduction?
How do "debt reduction" companies work ?
TV ads claim example $45,000 owed, debt reduced to $22,000. Too good to be true? How is my credit affected? What are the costs?
Bankruptcy, consolidation, or debt reduction?
I'm looking at an uncomfortable situation. My family has a considerable amount of debt. We're talking around $30,000. We are currently able to manage payment on our cards, but we're not able to get anywhere. We're at a point of near desperation. So I was wondering what was best? Should we file for bankruptcy, try to get a loan for debt consolidation, or try one of the debt reduction programs out there?I'm really not sure what would be best. Consolidation would be ethically best in my opinion, but from the couple of places we've tried, no one will give us a loan. Any advice or personal stories would be appreciated.
Why do people assume that all debt reduction companies are bad?
I know some of them ARE scams. In fact, I have experienced a couple of those in the past. However, I have recently signed up with a company that is helping me pay down my credit cards, and I have been very happy with them so far. But I have heard from people that ALL those companies are bad news. Why do people just assume that?Yes, McThyme,I see what you are saying but there is a difference. One credit card I had was charging me so much for the minimum payment that I ended up not being able to pay it for a couple of months. So they raised the minimum payment to $1,000.00 a month. I tried to get them to lower it, but they refused. However, they were willing to work with the debt reduction company. So now, my monthly payment which includes payments for TWO cards, plus a monthly fee is actually lower than my monhly payment was just for the ONE card. That kind of situation is usually the reason people go thorough these companies.Beth, I'm sorry about what happened to your mom and I know that happens alot. I just got lucky, I guess that I found a good one. They did charge me a fee upfromt, but it was only 25 dollars. And like I said, I am actually paying less now than I was with payng the cards upfront, even with the monthly fee.doctor deth, you are missing my point.Others this company I am working with has been very clear on how much of my monthly payment goes to them for fees, and my monthly fee is less than 5 % of the total bill the rest goes to the creditors. The creditors have already agreed to work with them. And they will still get the full amount they are due.
Has anyone worked with a debt reduction /settlement company?
I am looking for someone who has been through this before.
In debt because of a bad debt reduction company?
My wife and I joined a program for debt settlement WITH HOPES OF PAYING OUR CREDIT CARD DEBTS OFF which were around $17,000 total ,nothing,was done, were told not to answer phone calls, not to pay any card payments and let these bills go into collection and then GHS from Global Client Solutions would work with them to reduce the payments for us and then they would pay them off with the total of $ 2,600 taken out of our checking account automatically by there bank called Rocky mountain bank & trust so we sent to them our payments in total for 11 months until finally I received a summons from a collection lawyer and they GHS told us let their arbitrator talk to the lawyer, and we did and their arbitrator lady whom I couldn't understand a word of English did nothing that I couldn't do, after I had to go the the courts and get paperwork to file the claim , I went home and called and negotiated a settlement with the lawyer myself ,then when I pulled up the payments and transactions on line for our account I could not believe they, Rocky mountain bank and GHS were taking out $125.00 from our $220.00 payments,so were so upset and disgusted with GHS we canceled out the program with them ,we lost all that time and money that we could have been paying off the credit card debts ourselves.Never again will I go into debt resolutions or settlement . here is a copy of the statements, and the payment statements to our creditors that they paid nothing in 11 months.where did all these payments and fees go to? What do we do now ? 08 28 2009 08 28 2009 08 28 2009 Cleared $9.00 Customer Fee Monthly Fee 08 28 09 08 28 2009 02 46 PM 08 28 2009 03 43 PM SYS.Post.Fees.F F 08 28 2009 08 28 2009 08 28 2009 Cleared $116.94 Customer Fee Retainer Fee 08 28 09 08 28 2009 02 46 PM 08 28 2009 03 43 PM SYS.Post.Fees.F F 08 17 2009 08 18 2009 08 20 2009 Cleared $220.00 Deposit Debit 08 18 09 08 17 2009 02 53 PM 08 20 2009 03 03 PM SYS.Post.Drafts D 07 28 2009 07 28 2009 07 28 2009 Cleared $9.00 Customer Fee Monthly Fee 07 28 09 07 28 2009 02 47 PM 07 28 2009 03 54 PM SYS.Post.Fees.F F 07 28 2009 07 28 2009 07 28 2009 Cleared $116.94 Customer Fee Retainer Fee 07 28 09 07 28 2009 02 46 PM 07 28 2009 03 54 PM SYS.Post.Fees.F F 07 17 2009 07 18 2009 07 22 2009 Cleared $220.00 Deposit Debit 07 18 09 07 17 2009 02 37 PM 07 22 2009 03 01 PM SYS.Post.Drafts D 06 30 2009 06 29 2009 06 30 2009 Cleared $9.00 Customer Fee Monthly Fee 06 29 09 06 30 2009 02 28 PM 06 30 2009 04 03 PM SYS.Post.Fees.F F 06 30 2009 06 29 2009 06 30 2009 Cleared $116.94 Customer Fee Retainer Fee 06 29 09 06 30 2009 02 28 PM 06 30 2009 04 03 PM SYS.Post.Fees.F F 06 17 2009 06 18 2009 06 22 2009 Cleared $220.00 Deposit Debit 06 18 09 06 17 2009 02 24 PM 06 22 2009 03 01 PM SYS.Post.Drafts D 05 28 2009 05 28 2009 05 28 2009 Cleared $9.00 Customer Fee Monthly Fee 05 28 09 05 28 2009 02 30 PM 05 28 2009 03 58 PM SYS.Post.Fees.F F 05 28 2009 05 28 2009 05 28 2009 Cleared $116.94 Customer Fee Retainer Fee 05 28 09 05 28 2009 02 30 PM 05 28 2009 03 58 PM SYS.Post.Fees.F F 05 15 2009 05 18 2009 05 20 2009 Cleared $220.00 Deposit Debit 05 18 09 05 15 2009 02 56 PM 05 20 2009 03 03 PM SYS.Post.Drafts D 04 28 2009 04 28 2009 04 28 2009 Cleared $116.94 Customer Fee Retainer Fee 04 28 09 04 28 2009 02 42 PM 04 28 2009 03 57 PM SYS.Post.Fees.F F 04 28 2009 04 28 2009 04 28 2009 Cleared $9.00 Customer Fee Monthly Fee 04 28 09 04 28 2009 02 41 PM 04 28 2009 03 57 PM SYS.Post.Fees.F F 04 17 2009 04 18 2009 04 22 2009 Cleared $220.00 Deposit Debit 04 18 09 04 17 2009 02 49 PM 04 22 2009 03 01 PM SYS.Post.Drafts D 03 30 2009 03 30 2009 03 30 2009 Cleared $9.00 Customer Fee Monthly Fee 03 30 09 03 30 2009 02 34 PM 03 30 2009 03 53 PM SYS.Post.Fees.F F 03 30 2009 03 30 2009 03 30 2009 Cleared $116.94 Customer Fee Retainer Fee 03 30 09 03 30 2009 02 34 PM 03 30 2009 03 53 PM SYS.Post.Fees.F F 03 17 2009 03 18 2009 03 20 2009 Cleared $220.00 Deposit Debit 03 18 09 03 17 2009 02 26 PM 03 20 2009 03 02 PM SYS.Post.Drafts D 03 02 2009 03 02 2009 03 02 2009 Cleared $9.00 Customer Fee Monthly Fee 03 02 09 03 02 2009 02 50 PM 03 02 2009 05 58 PM SYS.Post.Fees.F F 03 02 2009 03 02 2009 03 02 2009 Cleared $116.94 Customer Fee Retainer Fee 03 02 09 03 02 2009 02 50 PM 03 02 2009 05 58 PM SYS.Post.Fees.F F 02 17 2009 02 18 2009 02 20 2009 Cleared $220.00 Deposit Debit 02 18 09 02 17 2009 02 37 PM 02 20 2009 03 01 PM SYS.Post.Drafts D 01 28 2009 01 28 2009 01 28 2009 Cleared $9.00 Customer Fee Monthly Fee 01 28 09 01 28 2009 02 45 PM 01 28 2009 03 55 PM SYS.Post.Fees.F F 01 28 2009 01 28 2009 01 28 2009 Cleared $233.88 Customer Fee Setup Fee 01 28 09 01 28 2009 02 45 PM 01 28 2009 03 55 PM SYS.Post.Fees.F F 01 20 2009 01 18 2009 01 23 2009 Cleared $242.88 Deposit Debit 01 18 09 01 20 2009 02 23 PM 01 23 2009 03 00 PM PostDeposi
Know of any good reputable, honest debt reduction/consolidation agencies that are non-profit also?
Trying to get rid of credit card debt that is out of control. Don't want ones that will sell my personal info but are truly honest and follow all the laws etc.
Has anyone done credit counseling or debt reduction?
I need information on what a good credit counseling or debt reduction company is, and if anyone has personal experience or recommendations.
Is there any way that "locked" retirement savings can be used towards debt reduction ?
Debt Reduction Question ?
Why will the credit card companies work with debt reduction companies to lower your interest rate, but they wont work with the actual person who has the credit card ?
Debt reduction programs?
I am crushing with credit card debt and I am looking at working with a debt reduction program.You can see the adds on TV all the time on how they could negotiate a lower payment to help you get rid of your debt.I am looking at a number of programs but I am not sure how good these programs are and if they really work.
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