i have the money to pay my debt but im not sure of all the people that i owe is there a company that can help?
954033
get a equifax credit report, it will tell you who you owe and how much. make sure to keep your reciept for payment incase they dont strike it from your credit report so you can prove you paid it.
1173646
More than likely it would be better to go to the debtor, But I might also consider a different law firm. Or find a PrePaid legal Services associate to help you out. Heres one that I know works all of the states and most of canada. www.prepaidlegal.com/go/mgiltz
327574
Contact the company directly and give them supporting documents to prove it is only one and it is too old. Ex: cancelled checks to show payment. And in the future after repaying an old or even a current debt, always ask them to send you a letter showing a zero balance. That way when there is confusion in the future you have proof it was paid and the date.
1038150
Contact the Consumer credit counselling service who will work with you to create a debt management plan and they will take over all contact from your creditors,and collect a managable small payment and distribute it amongst your creditors...NB The Consumer Credit Counselling Service is a charitable organisation so will not charge you for their services
565799
If you're in the UK contact your local business link, they're really helpful. Also may sure you speak to any creditors, you need to keep on the right side of them. You haven't said what your business is, but as your creditors will be as keen as you are to make sure they get their cash they may be able to offer valuable business information or leads. Business communities are often quite insular (if thats the right word). Your landlord may also have a better property in a more suitable location if you ask. If they do help make sure you reward them once you're back on track.\nLook at your budgets and keep them on track. Spend nothing you don't need to. Sales reps will even give you free pens etc.\nAdvertising doesn't need to cost anything. Do something for charity and involve the press, tell friends and family what you're doing, get out on the street and fake a survey but mention your business, etc.\nIf you have any staff ask their opinion, they're your greatest asset, again make sure they're rewarded if they do well.\nFinally a major word of advice to anyone in business - work out who your customers are and look after them. They are your paycheck. remember you are buying money from them with goods or services so you need them to come back.\n\nThere's loads you can do but you need to have a positive attitude - make every pound you spend on your business make money.\n\nThat should do for now.
297382
There may be such a company. If I were you I would not believe a word of it. If something sounds too good to be true it probably is. Good luck friend. I wish you well. Nobody unless it is a charitable organization will help you with credit problems for free.
263726
Find your local Consumer Credit Counseling Service(the original one, not all these you see on TV) It should be in your phone book under that name - Consumer Credit Counseling.  Their fees are minimal and they will work with your creditors to lower interest and fees and get the bills paid.  I speak from experience! Hope this helps.
148553
Try to find companies or organizations online if you do not succeed try writing to local authorities or companies providing your details. As long as i am concerned these people need to have guarantor before helping you. I think your parents or relatives can act as guarantors
833164
Try Consumer Credit Counselling Service (0800 1381111), National Debtline (0808 8084000) or Citizens Advice (www.adviceguide.org for advice or to find local bureau). They all give free advice and can negotiate on your behalf with creditors.\n\n"Debt management companies" are profit-making organisations who WILL charge you, so avoid them.
319200
COntact your creditors & ask for a repayment plan to be set up, draw up a budget & work out your incoming & outgoings pay your rent/mortgage in other words ESSENTIAL bills first, food, gas/elect etc. divide whats left & pay to your creditors. If you dont have it you cant give it to them so most will agree to a repayment plan & hopefully stop or lower interest charges.\nConsult a consumer credit advice council or citizens advice group\nDONT PAY ANYBODY more money to fix!?!?! your DEBT\nDONT TAKE another loan\nCUT UP & return store cards & Credit cards.\nOPen a new bank account & pay all your money into that Ignore your old bank account let it just sit there especially if you owe that bank money & when you work out a budget take the money left & divide it amongest your creditors BUIT ALWAYS KEEP YOUR CREDITORS INFORMED as to how you are resolving the problem
1159042
TO be real honest with you. CREDIT REPAIR company are not that good.  The money you give them to help you could be use to pay wha you owe. You would be better off doing it your self.  Please go  to daveramsy.com he has alot of information that can help you and show you how to be debt free
786217
You should try contact your lender for payment options.  Or, find a lender that will buy your debt and offer a lower payment option
1116520
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!
884232
Most companies require at least $5,000 as a bare minimum. Others are as high as $20,000. \n\nThis company has no minimum: http://www.expert-credit-advice.com/debt_settlement_service.htm\n\nThey ONLY deal with debts in collections or bad debts. If you are current with your bills, they cannot help you, and they will not advise you to stop paying your creditors if you are current.
330642
I think that you should because the company needs to be aware that you are unable to pay. I am sure that they will understand and make arrangements with you. All they want is to be informed and they will help you with the problem that you are facing.
511174
Don't be scared. The worst option for them is that you declare bankruptcy - then they'll have difficulty getting their money back.\n\nAlternatively, get a local debt advice company to approach them on your behalf, and they'll come to an arrangement - you might end up only paying off half or a thirdof what you owe.\n\nBut seriously, get in contact with your creditors. They'd rather see some return on their investment in the long run. What country do you live in? Depends also on local debt laws.
992150
I am unsure where Californian99 obtained his information, but debt consolidation companies are actually a very good way for individuals drowning in debt to get some breathing space. It is true than when debt consolidation companies were unregulated, many of the smaller ones took advantage of people's desperate situations, but this is NO LONGER the case. There are many larger companies now that are endorsed by regulation agencies and the one that I worked for even had a contract with the Defense Department in order to refer financially struggling soldiers for counseling. In fact a year or so back, when you heard all that news about the changing rules of Bankruptcy filings, one of the big changes was that individuals were to try to appease their debts through debt consolidation counseling before they were allowed to file. I admit that I am currently on the program, and it has helped me tremendously. Here's the basics on how they work:\n1) You have lots of high interest debt. Perhaps you fell behind on some credit cards or private loans, and the late fees and high interest rates are making it very difficult for you to make any progress. With my case, I was always on time, but I wanted to make a change in my life and rid myself of my high interest debt.\n2) you call a credit couneling company. I can't speak for all companies, but at the one I worked for we were trained to counsel the clients. To show care and compassion because they were in some difficult situations. This is sometimes all someone needs. Someone to just listen to, but if the counselor finds that a debt consolidation WILL help, then they will walk you step by step through the program.\n3) Okay so you qualify now what? You enroll your high interest debt into the program and the company will begin contacting your creditors to negotiate lower interest rates on most of your accounts. This is a tremendous help because interest consumes most of your monthly payment anyways. Another important thing that you have to remember is that the creditors also CLOSE your accounts. This is to further help you along in paying off your debts.\n4) You stay in contact with your consolidation company and creditors. But you only make ONE payment to the consolidation company, who in turn forward it to your creditors. \n5) Sit back and watch your debt slowly disappear!\n\nI think that the reason the person before felt so strongly against it is because he has never done it himself and has heard it from a friend of a friend. Also I found many consumers just left the accounts alone thinking the company was taking care of business. But you have to remember when you consolidate with a reputable company, they will encourage you to monitor your statements and call them if you see a fee that shouldn't be there. \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. The good part is they are also non-profit. They do ask for a monthly donation with your payment, which goes to paying for the counselor's salaries, but you can always decline it if you are really in a bind. I pay it greatfully because they have helped me so much. Anyways, good luck with your research!