Best debt consolidation???
968889
If at all possible, go to your bank. They may be willing to give you a loan which means that you can pay your debt off with one automatic payment a month. I did this and I was amazed that they said 'yes'!\n\nOf course, this doesn't make the debt go away, you've still got to pay it back. The smart thing to do is get a grip on your finances, don't get into any more debt, and aim to pay the bank back quicker than they want you to.\n\nIf the bank isn't an option, then there's a website here with lots of information, pros and cons of debt consolidation. If you go down this route it really does pay you to do your own research and shop around.\n\nGood luck!
991134
A debt consolidation loan is not a bad thing by any means... just PLEASE make sure you don't run up additional debt on the credit cards you're consolidating.  If you do, then you'll not only have to pay the consolidation loan itself, but you'll be right back where you were with your old credit card payments.
258061
There's several Non-Profit debt consolidation groups out there that will do this, but it completely kills your ability to obtain any new credit until the consolidation is totally paid off.  I've been credit card free for almost 8 years now and it feels great to never see a bill in my mailbox.\n\nDo your part to end pointless economic wars on yourself by financial institutions by becoming a balanced-budget person.
143896
The best plan is to get on a tight budget, work extra, sell stuff, and put all the extra money toward the debt.  Check out http://www.daveramsey.com and the forums there for additional information on becoming debt free.\n\nGood luck.
501085
Find a different credit councelling company, honestly there are TONS of them out there that screw you over. If they can't lower your payments then what's the point in being on a credit councelling program? Try going to www.trinitycredit.org that is where we have our debt management with, they are GREAT people and they have really helped us out of our jam, we had approx. $12,000 in debt, payments were about $400 for three credit cards ($400 a PIECE) they were able to reduce our payments to ONE payment of $300 a month. We've been on the program now for 2 years, and are SO happy we did it! The usual program takes 6 years to pay off, BUT because we were able to get back on our feet again we were able to pay MORE into our debts and get rid of them faster, we should be done with the program by this August. They will also give you ideas and suggestions on how to pay off your debts faster (like are you in the military, did you know you can get your APR on your credit cards reduced because of that?). I hope this helps, believe me I know where you are right now, and there IS a way out. Good Luck!
276485
find a reputable credit counseling agency...get an additional job if possible.\n\ncredit counselor company will act as a middle man to your creditors and will negotiate a lower rate for you and also get some of the balance wiped out....you will pay the credit counseling comany the payment for all your creditors along with a small fee...\n\ncheck out the wikipedia entry below regarding credit counseling!
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!
1116198
If you owe more than what you can comfortably afford to pay out than you have a few alternatives.  One (which I do not recommend) is bankruptcy.  Two a part-time job.  Three credit helpers (which I also do not recommend).  Four call your creditors and explain your situation ask them if they have a hardship program and what do you need to do to get enrolled in it.  Than look at your smallest balance and sacrifice to pay it off as quickly as possible.  This will mean the money you used to spend on that bill can go to someone else.  if you keep doing this you will be surprised how quick you can get out of debt.  Think about what is your ultimate goal her and than go from there.  Make sure that whatever got you into this trouble in the first place is something you have conquered.  The last thing you want to do is struggle to get out of debt and find yourself right back in it because you haven't learned anything.
947220
I have used a company that  did a good job. I had less debt then you and they were able to settle all of the accounts for less then 50%. One citybank account that was sent to nco financial was settled for 20%.  link you asked for: http://www.expert-credit-advice.com/debt_settlement_service.htm  You should also look up anyone you are considering at http://bbb.com . good luck.
792228
With the new BK laws, you can't even file until you've completed a financial education class......call your local trustee (Chap 7 or 13) and ask for an approved list of classes......you complete the course and you will be a) better educated financially speaking and b) be able to determine what course of action is best.\n\nAlso, you should ask the Trustee what the median income in your state is for fiing a Chap 7 - you may find (very likely) that you DON'T qualify and could be forced into a 5 year Chap13 plan.\n\nAt the same time, grab your bills, pen and paper, and a strong cup of coffee.....sit down and start calling your creditors, ask for reductions in interest, zero interest for a couple of months, reduced minimum payments, .....just be polite....stay away from debt consolidation!!!!
128849
Go to your local bank and ask them if they have any ideas for debt consolidation.  They might have a personal loan you can apply for.
891036
You need a good consolidation company.\nConsolidating means creating a whole new loan for a longer period of time. This would hopefully lower your payments enough so you can get back on track, in this case it might SAVE your credit score.\nA credit counselor will give you some tools and suggestions for reducing your payments, just keep an eye on what the % are, you want it to be lower than what you pay now.\nHowever, debt consolidation can be nothing more than a way of putting off the evitable. It really does little to correct the problem. That's why many people come back to debt negotiation as a way of getting out of their financial problems and starting fresh start.\nMore here: http://finance.ebookorama.com \nalso plenty more to read here\nhttp://credit.ebookorama.com\nhttp://credit-cards.ebookorama.com\nhttp://credit-repair.ebookorama.com\ngood luck!
475994
I have been working in the debt settlement industry for 4 years and yes they really can get you out of debt!! you can e-mail me if you want more info.
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.
1019781
My advice to you is to avoid going to a place that says that they'll loan you money regardless of your credit.  Otherwise you'll be paying more money in interest to them for a long time.  Do you own a house?  If you do, see about refinancing it or get a home-equity loan.  If you have bad credit, and don't have a house then you might do well getting a bill consolidation loan.  But be careful with what you get yourself into.  Shop around for a decent interest rate. \n\nWhy do you need to clear your debt "as soon as possible"?  If it's credit card debts look into transferring your debt to a credit card that has lower interest.  They will often have promos for 0% for the first 6 months.  Or sometimes 5% until it's paid off.
395711
First, you have to realize and accept the fact that there is and won't be any easy way out of your debt without certain consequences.\n\nHere are a few suggestions from someone who's been and done that:\n\n1. Go to a debt consolidation company, they will make negotiations on your behalf with your creditors for a lower monthly payment. Basically, you will make a agreed upon monthly payment to this company and they will in turn disburse the money to each of the creditor each month. You can call them and tell them your situation as far as the amount of debt and your income. I can suggest one I;ve used in the past, Debt Options in FL, 800-523-0102. It will have a negative impact on your credit score, but at least you will be able to pay down the debt in a fairly short time, and you will only have to repay a small percentage of the actual debt, maybe around 10-30%.\n\n2. File bankruptcy, this is the fastest and least painful way, you can file for Chapter 7 and just walk away from all of the debt. Even though the laws have changed, you can still file for a Chpater 7 or 13 bankruptcy depending on your particular situation, you would have to speak with a bankruptcy lawyer. The fees are probably around $1000 to $2500.\n\nIf you have been in debt for 20 years, then you really need to review your situation seriously and make a decision if you truly want to regain control of your life and finances. It sound that at your current pace, you will still be in debt another 20 years from now! \n\nAs painful as my suggestions may sound, it at least provides a way out for you and then you can start all over with a clean slate, no debts! Trust mem there are millions of people filing bankruptcies every year, so it is not a life ending move, but rather a way to give you a new start.\n\nIt's your life, you can decide as you wish...good luck!
1038329
Sallie Mae's consolidation product is great (http://www.salliemae.com ).  So is Citibank's (http://www.studentloan.com ). \n\nWhen picking a company to consolidate with, their web capabilities are important, but it's also important to get a company with a good reputation who's been in the student loan business for a while. Both of these companies fit this criteria.  Additionally, neither of them will ever sell your loans, so you can feel fairly confident that you won't get bounced around or miss a payment (which often happens when companies sell their loan portfolios a lot).