Most debt consolidation companies are rip offs, you can negotiate with creditors, to lower your payments yourself etc,,
They may try to make it look like they don’t do it, but in the long run if your sincere and honest with them, they will do what they can to help you out.
Try becoming an illegal alien apparently they do not have to pay anyone back they do not even have to pay taxes that sounds like the easiest no payment plan around.
Listen just negotiate yourself, your debt isn’t high enough because they will charge you more than you owe for doing something you can do on your own.
Don’t file bankruptcy unless its a last resort.
illegal immigrants is irrelevant and a dumb comment
You will pay more in interest for a consolidation. Take a good look at your debt. List who you owe, their payoff balances and their monthly minimum payments. Notate any that are past due and the past due amounts. Are you being contacted by collection agencies or being sued? Highlight those. Now, with your income, what can you pay off, even in installments? In addition, since you are getting organized, what improvements can be made to your credit report at the same time? I do this for a living. If I can answer more specific questions, fee free to email me. Good Luck.
6 responses so far ↓
1 Dr. Evil
You may want to consider bankruptcy. Talk to a financial adviser.
2 qman
nope, listen to Dave Ramsey or go to daveramsey.com
3 dahorndogd013
Most debt consolidation companies are rip offs, you can negotiate with creditors, to lower your payments yourself etc,,
They may try to make it look like they don’t do it, but in the long run if your sincere and honest with them, they will do what they can to help you out.
Besides, it doesn’t hurt to ask.
4 Flea
Try becoming an illegal alien apparently they do not have to pay anyone back they do not even have to pay taxes that sounds like the easiest no payment plan around.
5 Richard_Guttman
Listen just negotiate yourself, your debt isn’t high enough because they will charge you more than you owe for doing something you can do on your own.
Don’t file bankruptcy unless its a last resort.
illegal immigrants is irrelevant and a dumb comment
6 credit_and_scores
You will pay more in interest for a consolidation. Take a good look at your debt. List who you owe, their payoff balances and their monthly minimum payments. Notate any that are past due and the past due amounts. Are you being contacted by collection agencies or being sued? Highlight those. Now, with your income, what can you pay off, even in installments? In addition, since you are getting organized, what improvements can be made to your credit report at the same time? I do this for a living. If I can answer more specific questions, fee free to email me. Good Luck.