Debt Consolidation


What is the best debt consolidation company?

Phalon D asked:

I need some help to get out of this hole that I dug for myself. Any suggestions pr personal experiences?Caffeinated Content for WordPress

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what\’s the difference between refinancing and debt consolidation?

Phyllis S asked: I want to refinance and include my home equity loan and get extra money for a new car. What is the right option?Caffeinated Content - Members-Only Content for WordPress

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Im thinking about filing chapter 13 and doing debt consolidation, any thoughts or experiences?

silverblack12345 asked: I pay all my bills on time (for the most part) but it’s nothing but the minium, I was thinking about doing chapter 13 debt consolidation, is this wise?Create a video blog…instantly.

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What is the best debt consolidation organization to go with?

soybonita asked: I’m looking into these organizations. I want one that is non-profit and is really going to work for me. Has anyone tried one that they are happy with and how will using one reflect on my credit report?Create a video blog

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During this time of economic upheaval many people are looking at options for debt consolidation. Below you will see several people with questions just like you. There are several people offering advice, but keep in mind that you need to talk with a credit professional before making any decision. The comments below are just other people engaging in discussion and is not designed to be any professional dives or nothing of the sort.

Feel free to browse th posts below and see if your situation is like anothers and you might be able to gain some more insight.

@ July 29, 2008

How can I get a debt consolidation loan in Rep. Of Ireland with bad credit history?

debt consolidation
Carol T asked:


Want to wipe the slate clean but having trouble getting loan. Not a homeowner.
Can I please stress that only Rep. of Ireland related sites are of use? Unfortunately the US and UK options will only lend to US/UK residents. Thanks!

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@ July 21, 2008

Is it true you can\’t get any credit after debt consolidation until debt consolidation is over?

debt consolidation
E G asked:


Why would you even want to do it then if you can never get credit after debt consolidating, how long does it take. I’m confused, please clarify?!?

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@ July 4, 2008

What are the cons of using a debt consolidation/credit counseling service?

debt consolidation
mommytomonkey asked:


Do these services negatively effect your credit? If so, for how long?
Are there any major pros to these services?

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@ July 2, 2008

Can a debt consolidation attorney represent me if they are not licensed to practice law in my state?

debt consolidation
amyleeh123 asked:


I am trying to get myself out of debt with pay day loans. I found a law office in PA that helps with this specifically. The problem is that I am in TX and I am not sure if they legally can help me. I don’t want to push the laws. Thanks in advance for any answers!

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@ June 25, 2008

Can combining credit cards (NOT Debt Consolidation) hurt your credit score?

debt consolidation
Day Dreamer asked:


I have several credit cards, many from the same institution. I’d like to combine all the ones from the same institution into one.

All the cards are paid off monthly - I am not carrying any debt.

Will this hurt my score?

Will this hurt me in any other way?

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@ June 23, 2008