Do most consolidating/counseling companies approve everyone? Why do some get denied? I was denied by?
920288
I would need more info to give an educated answer that can help you.\n\nBut lets start at the bottom.  If you make a very honest effort to budget yourself, how much money can you afford to put toward your debts.\n\nYour goal is to try and pay everything off within 5 years.  So not even factoring in interest, you need about $1200 a month!  Can you handle that?\n\nIf not, then you either have to make a very serious negotiation effort with the creditors to lower your balances, or file for bankruptcy.  \n\nOtherwise, you are going to be paying off these debts for the next 10 years.  With bankrutcy, you will be out of debt in 3-5 years.  It's not the best way out of debt.  But if the creditors are not willing to work with you what other choice do you have?
696263
I went through the entire process with an attorney, neither he nor my congressman couldn't speed those people up , it's quite horrible and I suffered tremendous anguish myself over it. I was finally able to get a court date and received back money from the date of application and proved they don't follow there own guidelines. Your at the mercy of there disability determination people and they answer to no one ! If they are having a bad day or need to clear there cases because they are behind , they will turn you down. If you have been turned down though definitely see an attorney. They will take your case for a percentage not to exceed 25%. Good luck my friend and seek help where ever you can. Sorry I couldn't provide better news.
647602
it helps, but employment alone isn't enough to be approved. You might try getting a cosigner
585767
How about all the shrinks who charge you a lot more so that you can lie on their couches and talk and they just nod? How easy is that? I say that's money for nothing. If you actally respond to these people and give them a little bit of hope, which is what they need, then I think you should feel no shame in charging for your services. Perhaps you should increase your consultation fees...
482625
I did my internship through Kaiser several years ago (in another field) out in San Diego. Although my school was contracted with them , I had to go through the human resource department at Kaiser and apply for an internship position. If you're enrolled in an accredited school, more than likely they already have contacts there and you should speak with your counselor. If not, then try human resources. Good luck!
1105728
Wow, they should be gracious to still have you. Why don't you all work together and help eachother out? Why all this seperation? A family is supposed to be a team, and there is no "I" in team. I would suggest that you all get counseling honestly...before it does kill you. Get help, all of you.
515705
Talking to a credit conselor can help, but I would avoid a debt consolidation program , or at least get all the facts before joining one.  Many programs will actually negatively affect your credit because their proposal to your creditors will be to reduce monthly payments or eliminate late fees, and in turn creditors will "close your account".  Some debt consolidators are quite pricey, too. \nWhat I would do is first contact all creditors and try to negotiate a payment arrangement.  Ask them to waive late fees. I have had success with 4 different companies when asking for reduced/waived fees or lower interest rates.  Mostly they just will want to get the principle amount back and are not too worried about collecting fees.\nNext, talk to a credit rebuilding company like Lexington Law. For a fee, they can help you remove some marks from your credit. I brought up my credit score 100 points by doing this. \nDO NOT FILE BANKRUPTCY! you can find a better option that will not imact you so poorly.
4622
Consolidation loans cost way to much. What I have done sucessfully when I was in the position you are, was to create a letter to each creditor, in which I stated 1.that I admit I owe them the full amount, 2.that I plan to pay them in full and as soon as possible, 3.that I can afford monthly payments of $ and am enclosing the first payment, 4.that I am requesting a reduction or elimination of interest, fees, and late charges. Then for each creditor, you get a copy made, print "COPY" in large red letters across the letter, and send it, by certified mail, signature required, to each creditor. Now here is the law, if they sign the letter and accept that payment, they have, in effect, made a binding contract with you, on the terms you offered. In most cases, they will reduce or suspend all interest. Once you have an agreement with each and all of your creditors, then you can move out! Be faithful in your payments, and you will be amazed at how quickly your debts melt away. Hope this helps!
407353
your idea has its ups and its downs, more downs than ups. \n\nwhat if they're lying, what if they never pay, what if you don't get all the details, what if there is no way for you to bill them because they never give you the info., if they do it isn't theirs.what if you don't know how to word things? What if they want to meet you, then will you?\n\nThey may feel more comfortable,It may be easier to a certain extent, and I have heard of online counseling before, but eventually everyone meets. If I was looking for a counselor I would look into this, but I'm not.\n\nAren't most counseling sessions one on one and in a private atmosphere? Other than being over the comp. how is this any diff.?\n\nBut I don't mean to shoot your idea to the ground, and I do wish you the best of luck. I'm sure there are people that are interested!
1024923
The purpose is cross-promotion.  For example, I've been looking for psychologists and therapists with whom to cross-promote.  I find them on Web sites like Psychology Today.  It really depends on the industry...
511346
I went through the same thing at my job and I went to my immediate supervisor and explained what I was feeling and asked for something different to learn about the company.  I was a good worker so they started expanding my responsibilities and giving me more challenging options to deal with.  It helped a lot!  Good luck!
713244
Have your attorney (or you yourself) file a "Motion for Reconsideration" and ask the judge to clarify your order.  Provide him the facts that a co-counselor is not available and provide reasonable alternatives (couples counseling, having you both see the same counselor, etc.)
521041
That depends on when you submit your packet.  You'll have to wait for the board to convene and review everyone's stuff before you can get an answer.  They don't meet every month, and I'm not sure how long after you'd have to wait.  Find out when the next board for that is, and you should have a better idea.
891775
*** if 6 different companies pre-approve u ... go for whichever of the 6 u desire.  \n\nif only 1 pre - approves u... no it doesn't allow u to use that pre-approval at company #2.
768756
look for ones that are non-profit. Some articles for it are at http://www.234debtconsolidation.com
1051877
They sent me (and still do actually) plenty of offers.  Like you, it was not a company that I had any experience with.  No one used it, so I elected to go with Sallie Mae, as my loans had already been sold to them, and their consolidation rates were the same (this was back in 2003).  If I were you, I'd stick with Sallie Mae.  Though I haven't heard anything bad about Educational Direct, I haven't heard anything good either...and unknowns with something this important are a bit scary to me.  :)
809965
I participate in group thereapy at a private practice that specializes in CBT.  There are 8 participants, where we all attend one-on-one sessions, based on a structured therapy plan.\nThe group, combined with my one-on-one session provide the fundamental support I need to build knowledge and strength in dealing with problems that I previously refused to deal with or just didn't know how to.  \n\nDid you find it helpful?\nSaying it's helpful is not doing it justice, it's life changing.\n\nWhat did you like about it?\nThe group provides 4 benefits for me personally;\n\n1.  The group provides a safe forum for me to verbalize my problems.  For me, letting it out if very relieving, where the pain I experience mentally isn't tangible, verbalizing it is the closing thing I can do to identify it and start dealing with it.\n\n2.  Once I put my problems out there, I get feedback from the Dr's and participents.  I may or may not get information that is beneficial, but getting different information from different people with different perspective acts in opening your options in dealing with your problems.  The feelings I dread the most are ones of desperation, when there seems like there are no options.  This leads into number 3.\n\n3.  Identifying your pains with experiences from other people is also cleansing.  When other partisipents share their experience, I feel bonded and identify with my issues on a human level.  Having bonded with someone whose experiencing similar issues validates the issues are not necesarrily my fault and effect others, not just me.  This helps me take some of the blame off of myself, where punishing yourself is very harmful to your well being.\n\n4.  Providing feedback to others in similar situation.  There's an altruistic feeling I get from lending advice or sharing an experience that may help somone else.  It feels great and elevates my moods.\n\nThese are all fundamental items in building understanding and tact in dealing with the issues at hand.\n\nWhat did you dislike about it?\nThe only thing I dislike about the group is when a participant doesn't take it seriously or doesn't want to be there, but is forced to be there.  This becomes a huge distraction and deteriorates the theraputic value a group can give.\n\nWhat did you dislike about it? Is there anything you would have wished to know ahead of time, but did not?\nThere's really nothing you can learn or do ahead of time, as opening up about your problems to a group of strangers is not very easy for most people.  It will seem a bit edgy in the begining, but over a few sessions, you get comfortable, build repore and recognize the structure of the group and find a way to fit in.\n\nHow often did you attend, and for what duration?\nI attend twice a week, where each session is 90 minutes.\n\nWere there any issues in particular it was effective for? Any issues in particular you found it to be ineffective for?\nThis group targeted substance abuse for young professionals in their 20's.  I found it to be very effective in helping me develop strength to live my life in a healthy way, without letting substances interfere or cause negative consequences.   Since I came for substance abuse only; there's nothing I can say was inefective about the program.