I have been in debt for around 30,000 since 2002 is there anywhere I can go to get some help? I did not want t
112888
I HIGHLY recommend the sites listed below for help and advice. Take it one day at a time. Start with a budget.Eliminate anything that is not a neccessity. Pay what you can. Start with your neccessities first. home, auto, health, etc. With anything left over start paying the minimum on unsecured debt. If you have anything left over pay more than the minimum on the highest interest debt. When that is complete then roll those payments into the next highest etc. Good Luck!
533873
Try out A+ Financial their interest rates are really low and the payment are cheap. They even have free advisors come to your home to discuss it all with you. Depending on your debt ratio you might need a co-signer but it is a really good company... I went from paying 870/month on debt to 246/month for 5 years. Their rates are lower than 6%
465727
First, you need to obtain all three of your credit reports from Equifax, Ecperian, and Trans Union. There is a fourth, somewhat smaller bureau called Innovis (Minneapolis, Minnesota). It would do good to ask for a report from them as well. Set a goal as to the time frame you want to "clear" your credit. Judging from your credit reports, assess which negative reports will be "falling off"(7-10 years, depending on the case), and which ones you need to pay. Before you pay anything, try to do what is called a "debt validation", . This is when you can write letters to creditors requesting proof of what you owe. If they can prove you owe it, then write certified letters to the company(s), and negotiate how much you will actually pay. If not, then request via certified mail that they remove negative listings from your credit report. DO NOT CALL THEM, and if they call you, simply say "no comment", and hang up the phone. MAKE SURE you get any promises in writing, including the promise that they will promptly report to all 3 credit bureaus that you have satisfied your debts. Budget yourself. Save whatever you can, and pay off debt in lump sums. This is a long process, so be patient. It is well worth your time. I have said this time and time again, but this is a great website. It helped me greatly when I was getting my credit together: www.creditinfocenter.com    This site also has some templates for the letter I was just talking about. This stuff works, and you will be using the same steps all these debt consolidation companies use, and get results. The only difference is is that you will be saving yourself some money.
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Get in contact with the debt management charity the 'Consumer Credit Counselling Service.'  \n\nExplain your situation.  Thry maybe able to assist you with your creditors.  \n\nDON'T go to a debt management company which charges.  \n\nGood luck.
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Don't post this kind of message online.  You are asking for trouble.\n\nTalk to your Mom and Dad, Aunts, Uncles and family who can help.  The real problem is your inability to manage your personal finances.  Take a course or seminar on managing your money and STOP over spending.\n\nyour current situation is a tough way to learn that credit isn't free.  But hey we all make mistakes.  \n\nGood luck.
660091
Contact the Credit Counselling Service (or something along those lines).  Free charity, great at helping to deal with debt.  As far as I know you can ask but it is unlikely they will reduce the amount - they do however cancel interest!  Good luck.  Also CCJs only last for 7 yrs on your credit rating.
3448
If this is a serious question, you really need some specialized help. There are a number of non-profit debt counseling agencies that are accessible from the web. YOu need to set up a program with you to get out of debt to the IRS, establish a more positive credit history, and help you to learn how to keep this from happening to you again.
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STOP!\n\nBefore you go to a "Non-Profit" Credit Counseling company, you need to know the facts.\n\nFirst though, why do you want to get credit relief this way.  Are you trying to avoid Bankruptcy?\n\nSecond, Why can't you do it yourself? At least try.\nHeres the rub, if you go to those counseling companies, the creditors put on your credit report, "Handled by a credit counselor" (Or something to that effect)  If you go to try and buy a home at some point, and that shows up, it is the EXACT SAME as a Bankruptcy. \n\nWhat I would do, is call your creditors, and try and negotiate with them, if you can.  Tell them you can pay 50 cents on the dollar as long as they will do a payment plan.  It may not work, but only go to those Credit Counseling Companies if you absolutely have to.\n\nBest Wishes.
957825
I would check you credit report at annualcreditreport.com it free and it could save you a big head ache down the road
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It sounds like you are earnestly trying to do something about your situation and I admire that. It sometimes takes much effort to get to where you want to be and sometimes you can't do it by yourself. Since you are ready to make payments on your debt but just don't know how to go about it, I can make some recommendations based on experience, as I was once a financial counselor. In my opinion it may be time to contact a financial counselor at a debt management company. Debt management is sometimes the only way that you will be able to show your creditors that you are trying to turn a new leaf. I admit that I am currently on a debt management program myself, and it has helped me tremendously. \n\nIn case you are interested in contacting a counselor, make sure you look for these things in a company:\n\n1) A company who is genuinely trying to help consumers. A company who is looking for the consumer's best interests will not only counsel you, but they may take you through a budget, analyze your situation, provide free financial material, etc. In other words they don't just try to enroll you. You should never feel pressured.\n2) A company who is non-profit, certified, and has a good track record with the BBB. A company who is non-profit may ask for a donation but it is purely voluntary. All your payments should go to your creditors. Also there are regulation agencies in place to weed out the "shady" companies, so you should make sure they are certified and a responsible member of the BBB.\n3) A company that answers all your questions. You probably have lots of questions, but a caring counselor will walk you through step by step, and explain thoroughly every step of the process. \n\nSo if you are interested in the company I worked for, it is http://www.incharge.org . If you are interested in the company I have an account with, it is http://www.careonecredit.org/ . Both of these companies are registered with the BBB and have outstanding reputations. \n\nThere are plenty out there though, so you should find the one that best suits your needs. I hope that you get to where you want to be and don't ever give up! Patience will heal your credit. There is no quick answer. Good Luck!
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All your accounts stay on for a min of 7 years and some stay for 10 years.  Including the fact that you claimed bankrupcy.  \n\ngood luck to you.  Try to say out of debt this time around.
141961
It is possible to negotiate with the government to get your tax debt reduced.  I suspect this will only happen if it is realistic to expect that the debt won't be paid at all otherwise.  A personal accountant could probably help for under $1K.
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you from the UK? got info the other day from a company called Nationwide Credit consultants tel:0870 787 1990, call is free. You pay them a fee and can have your history cleared of the last 6 years, and yes it is Legal too so try that. I will.
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First thing you need to do is to find a debt management company for help.  Please stay away from debt consolidation loans or anything similar.  Find a debt management company only.  What they will do is, they will contact every creditors and make a deal, such as lowering your APR.  Then they make promise to pay certain amount every month.  They will take certain amount from your bank account every month and distribute to your creditors.  \n\nIf you go this route, you don't have to worry about getting threathend by the creditors.  Also, this helps with your credit score.\n\nFor a typical company they charge you anywhere between $20-$50 per month for this service, but it's well worth it because they also provide good financial advice for free.\n\nOne of the company I recommend is called Amerix Corporation.  They helped me get out of debt when I was in debt.  Good luck.
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Stop eating out, or whatever you spend the most non-essential money on. Then take all the money that you would have spent, and put it toward fighting your debt.\n\nBe consistent. It should only take you 18 months, which is Small in comparison of 30 years. Think about it.
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Yes!  I consolidated my debt using  a company called Auriton- they have a wonderful customer service team and it was easier than you'd believe.  Less than three years later and I am 100% debt free!
82725
What you should do is talk to them and explain your situation... Also I would look into going through a debt consolidator... That is what I do... and I was in your situation and now all I have left is less than a year and I am debt free!!!! I had to go to court for one of my bills... and when I did that the person said that they couldnt take money I didnt have, so they worked with me so I am paying a very low payment... SO your best solution is to talk to all of them... They may be able to help you out...