I need a non-profit consolidate program for credit cards?
117557
try Consumer Credit Counseling Service of North America. It's a United Way program.
414194
Visit the website of you particular credit card.  You don't need software.
479053
The best way to consolidate your credit cards is through www.debtscape.org   I have been using it for 4 years now and I have less than a year to go and I started out with over $30,000 in debt! \n\nYou can tell them I sent you\n\nTraci Sorgi\n\nPS never close your accounts after they are paid, you will have to establish credit all over again, and it will be hard to do this with NO credit!
1052309
Try Chase. Or capital one. They both gave me credit cards when I had no credit. Then just use them and pay more than the minimum payment (or pay all of it) and it will help establish your credit. You may also think about asking your financial institution. They may have ways to help you as well.
79400
Call the credit card company for advice.
1078269
You may not like my advice but as a former financial counselor I hate to see people get into worse situations. Right now a $5000 loan is not the solution to your situation. I can see from the low credit rating and late payments on credit cards, that having a $5000 loan may actually be a large temptation to spend it instead of using it to pay off your debts. The BEST thing may actually be to use a consolidation program. They basically contact your debtors to arrange an amicable payment schedule to satisfy the debts and all you have to do is make one monthly payment. There are plenty out there which are non-profit, and you can ask them to waive their voluntary donation fee so that it truly becomes a free service. The reason it is a good idea, is that by consolidating your debts, the creditors see it as an honest attempt to improve your financial health, and reduce interest rates accordingly. Not only that, but they close all your open accounts so that you are unable to make any new charges. This might be painful but its the best medicine for someone who is having financial trouble. Just make sure you are working with a company that is reputable and accredited.\nThis might not be want you wanted to hear, but credit repair takes time. It is not something a regular person can fix overnight. Just continue to make payments and slowly you will see an improvement on your score.
1029812
Try the UNITED WAY debt consolidation I did and the calls stopped and I made one payment a month according to income level and there was no fee. You MUST call your credit card company's and tell them to STOP your cards immediately or it just keeps getting more and more (very very important) don't use them at all go all cash or don't spend. This is a free country thank God and we should not let the Government dictate anything. I hope this helps. Knowone made you go into debt so its you that has to figure a way out. A real challenge indeed, with out claiming bankruptcy (even if you claim Bankrutcy you still have to pay back at a lower rate depending on kind of Bankrutcy and judges decision) go to consumers Q&A on your computer and see what other people are doing and follow what is working for the MAJORITY. It might work for you as long as your debts arent too far out (Hundreds of thousands). It seems the older we get, the less they care about us, not much can be done about that unfortunately. when the goin gets tough, the tough get going .....good luck my friend.... your imagination is thier worst enemy...... Peace
581471
capital one\n\nIf you're paying higher interest on your other debt, then definitly consolidate into a lower rate card.
1173074
call them all and set up payment plans\n\nor talk with a credit counseling/debt consolidation company\n\nbest of luck
76846
Call your credit card company.
925051
You have several reasonable options:\n\n1. Go to your bank/credit union/financial institution, and ask if they would be willing to loan you the full amount necessary to consolidate all of your debts into one account.\n\n2. Find a low interest credit card, with a low to no interest introductory rate, and consolidate all of your loans on the one card.\n\nIf your credit rating is not so good, and neither of the two above options can work for you right now, it'd probably be best to continue paying your separate loans in a timely manner, until your rating improves and you have more leverage to get the best loan to ask your creditors to reduce the interest rates tied to your current obligations.\n\nDon't be enticed by these 'debt consolidation' companies.  There are also some great articles on Debt Consolidation Pros/Cons.  Here's an article from bankrate.com: http://www.bankrate.com/yho/news/debt/debtmanageguide/consol-dangers1.asp\n\nI strongly suggest that you visit bankrate.com.  Great useful financial info.
938453
I highly recommend you call these folks\nhttp://www.cccsintl.org/\nCCCS or Consumer Credit Counseling Service (if you are in the US)\nThey are a non profit credit counseling service that all major credit card, irs, government agencies recommend to help folks with bills.. might even prevent bankruptcy.. They can work with you and help you with contacting your creditors and what to say and help you settle with them, might even negotiate lower payments. etc.. I used to work for a major department store dept collection department and we always referred the worse cases to these folks... goodluck!
876224
I'm doing this right now. It's best if you have or can get a low interest rate loan and pay off balances all in one spot. Debt consolidation companies ARE NOT necessarily the best way to go. Some creditors will not work with these companies. Also, it can reflect negatively on your credit report. \n\nI recently transferred two of my three credit card balances to one loan, then cut up the cards. Now, I'm making two payments instead of four, and it had helped a lot.\n\nI'd say talk to several credit counselors for ideas. Read a lot of websites. There are plenty out there. \n\nGood luck to you!
1149346
There are several reputable CC services, Genesis is one , but most city or county Govt agencies recomend a agency called consumer credit counseling services. Haveing checked on some of these agencies in the past few month, the Consumer Credit Counseling got my payment alot lower than some of the other ones so its best to try to check on a few to see what each may or may not offer you. Consumer Credit Counseling is a non profit agency that will set up and plan a budget for you and get most credit cards and loaners to either reduce your interest rate or take the interest off completley\nGood luck!!
1178450
Call your credit card company and discuss this with them.  Can't hurt to ask.
1042331
I could write it all up or just mail the links to where I have already written it all up:-)\ntry  http://credit-cards.ebookorama.com\nand and http://finance.ebookorama.com
49021
Try Advanced Credit Systems.\n\nVery reliable and great pricing!