Do you know how to do this w/o using a company that trys to "negotiate" debt with your creditors. Also, no home refinance and no balance transfers to another low interest credit cards.
thanks
The companies that "negotiate with your creditors" don't do anything you can't do yourself and charge you a fee for the service. Don't bother.
Aside from transferring the balances to the card with a lower interest or taking out a bill consolidation loan, you really don't have many options to get everything to one payment. So, pick the smallest balance, really work on paying that off (while maintaining the other cards) and then attack the next balance in the same way.
The companies that "negotiate with your creditors" don't do anything you can't do yourself and charge you a fee for the service. Don't bother.
Aside from transferring the balances to the card with a lower interest or taking out a bill consolidation loan, you really don't have many options to get everything to one payment. So, pick the smallest balance, really work on paying that off (while maintaining the other cards) and then attack the next balance in the same way.
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It's called communication.
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A lot of your creditors will not negotiate with you any more…. they will only work with a debt consolidation or credit counseling company. But I would NOT recommend going with a debt consolidation company. I used Elimidebt about 6 years ago, and my credit was TRASHED! It is almost as bad as filing bankruptcy, it ruins your credit so much. Plus on your credit report it will show it is under "debt management" or a "payment plan". I wish I would have just filed bankruptcy and at least then I could have wiped out the debt! Just try to pay off all your cards and then never use them again! I would just be pushy with your credit card companies and tell them you wont pay them, or they can negotiate with you and you will pay them! Good Luck!
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