anyone have a good company or website that can help me consolidate all my debts?
951942
Hi, i dont have a company in mind, but in the States there're some that help sudents go on their studies. One of them is Aspira, which is in NYC. It helps latin american students.
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.
38569
Usually you should try to make a payment schedule.  Tell them you'll pay so much to them every paycheck or once a month.  Tell them the dates you will make payments or call in your payment so they can see that you actually are attempting to pay this off otherwise they think you are just yanking them.  As far as your credit score, I would obtain a credit report from the credit companies.  I think you can get them online.  See if there is anything on your report that is wrong--I've had this happen before where I paid off something and still showed up on my report as owing them--and then attempt to get it cleared off your report.  Either contact the credit company or the company with the misinformation.  If your credit is low because you have alot of credit cards, try getting one card and transferring all balances onto one card instead of having like 5 or 6 cards.  Then close the other accounts.  Having alot of credit cards open even if they aren't being used looks bad.  Try working on paying off your debt, with the littlest one first.  Then reward yourself (don't go overboard) when you do pay one off.  It will take time, comittment, and focus to do this, but once you are out of debt, your credit score will get better.  And the most important thing to do when trying to pay down debt is to quit using credit cards.  Put those dang things in the freezer if you have to.  Or lock them up and give someone the key so you have to ask to use them.  Make it hard to access them.  Credit companies can be a pain in the butt, but try to work out a schedule with them and see if that works.  If they see you are trying, maybe they'll be more willing to work with you.
1173074
call them all and set up payment plans\n\nor talk with a credit counseling/debt consolidation company\n\nbest of luck
766636
Be very careful with credit counseling agencies.\n\nThere are good ones out there - and there are bad ones out there.\n\nAny that charges YOU the customer - is not a good deal.  Then too there are those that have you send them your money and then you never know what happened to it.  No one gets paid and you never get it back.\n\nThe only one I can tell you for sure is legit is "Consumer Credit Counseling".  It appears to be the most respected one in the credit industry.  \n\nKnow too that lenders do not have to abide with whatever a credit counseling agency tells you the creditor will do.\n\nPLUS - talk to the creditor first is a good idea.  Explain to them that you are considering this option.  You may find that your creditors will work with you to resolve the problem you are experiencing.  My company does that.  At no cost to anyone.\n\nGood luck.
635363
Tink, you might have to put your Roo's, Wallaby's and B-Rangs up as collateral too, so be prepared with all the paperwork before you venture to your villiage's banking hut.\n\n;-)   Ha, got ya again !\n\nSeriously, you might start on-line searching, but I would seriously only do that for general information.  The first step that you should take would be to get a copy of your most recent credit reports ... I'm not sure about what organizations to contact on the "Big Isle", but your local bank can help you there.  Here in the 1st world (got ya again), we have three major credit bureau's and we can get one free credit report per year.\n\nThe point is, that if you have something bad or old on there that shouldn't be, you'll want to get that cleaned up first, or at least initiate the request to get it cleaned up (have the paperwork with you).  The credit score will be hugely important in what interest you pay for a debt-consolodation loan.\n\nThere are a number of non-profit debt organizations here in the states ... there are also a number of "Paid intermediaries" ... there is a big difference.  If they have a website and it's www.SOMETHING.org, it's a non-profit.  Stick with them.  They will be able to not only help you locate a reputable lender with a decent rate, but can also help you work out other arrangements with credit card companies, etc.\n\nCredit companies are actually very willing to reduce the interest rate on your balance if you go through such a place.  By doing so, you are demonstrating that you are interested in paying things off and very often, you'll set up an automatic payment plan directly from your bank account ... the amount of the payments will be collaborated with you, the organization helping you and them.\n\nPut it this way ... the interest rates you pay are based on the costs of funds (i.e. the market interest rate) plus a risk premium.  In such a case as this, you've significantly reduced their risk of default by setting up automatic payments and have demonstrated a willingness to repay so that's where the rate reduction comes from.\n\nIt's sort of common sense to pay off the highest interest cards first (remember that you should pay the minimums on all of them to avoid racking up late fees and damaging your credit), however, that may not really be THE ONLY best solution for some folks.  Assume that you 5 bills with balances of $5,000 / $600 / $200 / $150 / $125 ... rather than paying the mininum on all of them and then taking the "left over" available cash and dumping it all onto the highest rate one, consider an alternative:  Pay the minimums and then take what you can afford to thow elsewhere and put it on the one with the smallest balance.\n\nThis way, in a month or two, you'll only have four bills.  Then three bills, then two bills, etc.  In reality, for most people, it's easier to manage that way for several reasons.  1)  You have very tangible proof that you're making progress that you can sink your crooked teeth (got you again) into ... there's a sort of satisfaction there, "Finally, got rid of that one!" ... You attention get's more and more focused on just the one or two left ... 2)  You'll have time to establish regular payments on the big ones as well so your credit report will reflect this as well as the number of open accounts decreasing.\n\nAfter you've paid one off, CLOSE IT !!!! The number of open accounts affects your score even if there is no balance on them.  This will positively affect your credit score much more than uniformly decreasing the balance on all of them (people don't know this)\n\nSo:  Step 1:  Find out how you can get a copy of your credit report(s) and get them.  Do this first as it will take some time for them to arrive to you.   2:  Do some research to find a non-profit debt consolodation organization in your area and talk to a few of them.  3:
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"
351360
Below is a quote from a company called 1st Locate. The link to their website and their ph number is posted also. If they cant help you, chances are they will be able to tell you who can. I have worked with them in the past and they are worth the small fee. Good luck! \n\n"1st Locate  are one of the largest people locator's or trace collect debt recovery agencies in the U.K. and Europe.   UK TEL: 0113-297 7500"
518337
First, cancel your debt consolidation contract (if you can).  Many of these companies will simply let your accounts lapse just so they can try to settle the debt.  \n\nSecond, get out of debt yourself.  Otherwise, you've never changed your behavior which got you in debt in the first place.\n\nFinally, go buy a book called 'Total Money Makeover'.  This book will teach you how to eliminate your debt.  You can also consider a class (taught by the same person that wrote the book) called 'Financial Peace University' (see www.daveramsey.com).  My wife and I took this class in 2004 and are now debt free (except our house).  The average family taking this 13 course pays off $5,800 and savings $1,200.  \n\nContact me if you want specific help.  My wife and I now teach this class and have seen many people eliminate a ton of debt.  \n\nScott.....
901211
Speak to the Citizens' Advice Bureau about FREE debt advice. There are some other charities that will offer you free advice about the best/quickest way to repay what you owe but I am unaware of any organisation that will administer your debt for you or give you a consolidation loan without making some sort of charge. \n\nCAB will encourage you to look at what all your income and outgoings are and devise a strategy with you, not for you, as to how you are to pay it all back. Meanwhile, write a holding letter to your creditors telling them that you are seeking independent advice about the debt. It will only serve to stall them temporarily. \n\nWork out your priority and non priority debts. Priority debts are ones which will affect your home or your liberty and include rent/mortgage, water, gas and electric and any other loan secured against your property. Non-payment of council tax can lead to imprisonment and so is a priority debt. All other debts are non-priority. It is vital that these are paid first.\n\nDraw up an honest list of what comes in to your household and what goes out and include everything, including newspaper money and pocket money for the kids etc. Don't try to hide an amount under the heading 'Housekeeping'. Debt companies know what to expect to see under all the headings based on reasonable amounts according to your home circumstances and trying to hide amounts under ambiguous headings won't work. \n\nYou then need to write again to your creditors and include the income and expenditure form. They should then come to an agreement with you although they are not obliged to. If you go to the CAB with this information, they can help you work out payment plans for each creditor and give you a standard letter to send. It may also carry more weight with the creditors if they know CAB are involved. \n\nCreditors are not obliged to accept your suggested payment plans and will be looking for some commitment from you that you are determined to clear your debt. Can you return the cards to the company, cut up? Can you sell some of your assets? Can you take on another part-time job specifically to pay them off? Could you rent a room out in your house? \n\nThere are other options like IVAs or bankruptcy depending on how much debt you are in but these have as many cons as they do pros and are not the answer for everyone, particularly if you own a house with equity. You could speak to CAB about these options but think carefully before going down these routes. \n\nYou are right to think about alternatives to taking out more debt. There are obvious problems if you cannot keep up repayments on bigger consolidation debts especially if they are secured against your home. I don't know your own circumstances, of course, but maybe going through the debt procedures above will concentrate your mind on how you managed to get into debt in the first place, the pain of being in debt and how hard it was to get out of it which will prevent you from ever going down that road again. I know that I learned that same lesson the hard way and am steering well clear of ever going there ever again. Consolidation seems like easier options but will anyone ever learn to change their behaviour or is it just a quick fix to allow the same thing to carry on all over again? \n\nAnyway, good luck. It seems like a pit you can never climb out of but it will get easier. Promise!
934701
Try this.\n\nWhen you call these companies, tell them that you want IN WRITING a guarantee that they will raise your credit score and remove bad items from your credit report once the bills are paid.  \n\nAnd that they won't take any money unless these things are accomplished.\n\nYou won't find anyone who will agree to this.  Why?  Because they can't possibly promise such a thing.\n\nThere are only two ways to get a negative item removed from your credit history.\n\n1) The creditor must delete it\n2) The creditor fails to respond to an investigation request from the credit bureau.\n\nNote that payment of a bill does NOT remove the item.  It only changes the status from being late or in collections, to paid.  But it still reflects late payments or collections.  It's still a negative item.\n\nThese "credit repair" companies will TRY to negotiate a payment arrangement that will TRY to remove the negative items.  But there are no guarantees.  \n\nBut it is a guarantee that these companies will demand payment for their services, whether they succeed or not.\n\nBefore you go this route, do your research.  Many of the things that these companies do, you can easily do yourself.  \n\nAlso note that many of these "credit consoler" or "credit repair" companies are a front for companies offering consolidation loans or other such services.  Be aware of what's going on!
918640
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.
1066789
The link below contains a bunch of sample letters to send to creditors.\n\nEmail me if you need more advice.
732524
Call the original hospital or doctor's office, and they may consolidate the accounts.\n\nA credit counsler won't consolidate the bills.\n\nIf you are looking for a loan to consolidate them you'll need to see about a personal loan.  If these already appear on your credit, you'll have a hard time getting that loan.\n\nHowever, if you have some cash to pay these down a little, call and offer a settlement to the original creditor.  If enough time has passed, they will likely have already written off the debt and will accept a lower amount to clear the account from their books.\n\nIf you work through a collection agency, get the settlement amount in writing before sending in the money.  DO NOT, under any circumstances, take their word for it and DO NOT pay a penny over the phone - no matter what they try to say!!!
639852
Go to Consumer Credit Counseling Service.  They can help.  Be careful if you try other services, some are legit but some will just take your money and go more into debt. CCCS helps you make up a payment plan and calls creditors for you and can get interest lowered.
1060785
You need to be more specific. Do you mean consolidating all your debt by applying for one larger loan, and using say your house as collateral? Or do you mean consolidating all your credit cards into one payment through a consolidation credit service.
1030722
If you are now up do date on your payments, and it has been awhile since you became up to date, you can always try a goodwill letter to the creditors. Tell them that you have worked hard to become current, it has been x number of years, can they please list the accounts on your reports as never late.\n\nIf you are still behind on the bills or the accounts have been charged off, thats a whole nother ball game.\n\nI would suggest going to the site that I've listed. It is a "free" do it yourself credit repair site. \n\nThere is no sense paying for anything or anyone to do what you can do yourself. Especially since alot of those credit counseling places will leave you worse off than you are now.