does anyone know of any nonprofit organizations that will help get rid of interest so we can pay our credit...
102472
Beware - once you get a credit consolidator involved, most lenders treat it the same as if you went bankrupt. If you are so far gone that you require the services of a consolidator consider filing for bankruptcy, here's why.\n\nYou get through bankruptcy and can begin establishing credit again once the bankruptcy is discharged. Your report is clear 7 years after the discharge.\n\nYou go to a consolidator and it takes 4 years to get clean. Then you need to wait an additional 7 years for your report to get clean.\n\nYou can get clean in about 8 years by filing or wait 12 years and pay a consolidator a boat load in fees for the first four years.\n\nIt's not a pleasant decision to have to make.
1095697
www.myfreecreditscore.com   I think this one is really free, don't forget most states allow 1 every 12 months Free.  Also if you have been turned down  for credit you get a free copy
546953
You can contact your public assistance office, The good will, the salvation army, or catholic services may help. Been down the same road you are now. Good luck! Also if you call the power company, most times they will be willing to set up payment arrangements.
21534
http://creditcards.com/low-interest.php\n\nhttp://creditcards.com/low-interest-page-2.php\n\nHope this helps.
567312
Having a history of good, revolving credit (finger hut, Mervyns, Sears, JC Penney) will help you.  Just use it.  If you buy one thing, once, that won't really help.  I got a card at Mervyns and bought maybe one item every three months.  It helped me.  I had a great credit history but "lack of revolving accounts".
579723
try contacting www.naca.com\n\nthey are a housing advocacy group, non-profit, and they do their own lending.  they will work with you on your credit if necessary.  Good luck!
510092
I'm one of the investing financial advisors who you don't want to talk to yet.  But I've also done some credit work in the past, and I know who you are looking for.  Be very careful, because there are a lot of crooks out there who sell fake credit repair packages.  The best place for you to go is to a non-profit credit counseling organization.  They can help explain all the issues.  Sadly, there truly ISN'T a quick and easy repair that you can make, but there are steps you can take that will gradually improve your credit over time.  If you handle things right, once your bad times are far enough in the past, it will be like you never did anything wrong.
861042
No, phone them and set up a payment plan. They will try to work with you and avoid going to Court. It costs them money to go to Court. Or you can contact a local Credit Counselling company in your area. They can also help you set this up.
641632
i have the same problem... just don't max it out in a day... the trick is to pay it off each month... that way you don't get charged interest.
1002174
Try your county Social Services Department.  They probably will be able to refer you to agencies appropriate for your particular need,  whether it be "crisis assistance" or "credit counseling"
12932
Credit counselors probably would help.\n\nYou might find the book below to be useful.\n\nNow is the time to straighten out your problem before it becomes overwhelming!!
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.
189607
Might want to try checking your SPAM inbox.  We seem to get tons of these emails of companies that will help rebuild bad or no credit w/a credit card.
695507
at one time there were allowed, but the attorney had to word it just right and everyone had to approve of it....but several years ago approximately 10 years ago the government and the financial people figured out that a lot of students were using bankruptcy to get out of paying their student loans..a lot are either government money or insured by some type of government loan..so the government said we need to put a stop to this, and I believe they did just that...\nso at this time I say the answer to your question is no..\nsorry...but no..hey I am still paying for mine....I just wish they would cut the interest way way down...\nbut I would ask a really good attorney this one before you make any decisions...\n\ngood luck
980575
I saw this on a news cast one night.  They featured a story where the news employee approached people at random that were walking thru the mall.  They asked them if they had a credit card and would they want to lower their interest rates.  Well.....who wouldn't?  They simply called the credit card company and asked!!  Yep, it was that easy.  Time and time again, people (including myself) were amazed!!  All you need to do is call and ask them to lower it.  The odds ended up being something like, 8 out of every 10 people who called were successful.  Good luck, I hope this helps you.
73354
Just paying a few dollers each month will put you in good standings credit wise. All you need to do is let them see you are making a little effort also if you need assistance you can go to your local human services and they could help you get some assistance. Good Luck cause I know how it feel I got overian cancer and had no insurance now I have thousands of dollers in bills. It seems like they never stop mailing you bills but like I said just show them a little effort.
665195
Try looking on craigs list for people who need help moving or getting rid of stuff. Sell things on ebay. Call your credit card company and try to get them to lower your rates.